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2026-04-30 2026-04-30 0000929519 ck000085960:OneYearGuaranteedPeriodOptionMember 2026-04-30 2026-04-30 0000929519 ck000085960:ThreeYearGuaranteedPeriodOptionMember 2026-04-30 2026-04-30 0000929519 ck000085960:FiveYearGuaranteedPeriodOptionMember 2026-04-30 2026-04-30 0000929519 ck000085960:SevenYearGuaranteedPeriodOptionMember 2026-04-30 2026-04-30 0000929519 ck000085960:StableAccountTransamericaIncomeEdgeSM12RiderOnlyMember 2026-04-30 2026-04-30 0000929519 ck000085960:StableAccountTransamericaPrincipalOptimizerSMRiderOnlyMember 2026-04-30 2026-04-30 pure iso4217:USD <table cellpadding="0" style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-left: 0.5pt solid rgb(0, 0, 0); border-top: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:32.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 108.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 108.5pt; border-right: 0.5pt solid rgb(0, 0, 0);"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Prospectus</span></div> </div> </td> </tr> <tr style="height:113pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 108.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early Withdrawal?</span></div> </div> </td> <td colspan="3" style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. If </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> withdraw money during a specified number of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Policy Years</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">following each premium payment being withdrawn, you may be assessed a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrender charge. The surrender charge is assessed for 5 years with a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">maximum of 5% under the Principium IV. The Principium IV with the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Access Rider eliminates all surrender charges.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, if You make an early withdrawal, you could pay a surrender </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">charge on a $100,000 investment of up to $5,000 for the Principium IV.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 108.5pt; border-right: 0.5pt solid rgb(0, 0, 0);"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Annuity Policy Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Tables and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Examples</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Transaction Expenses </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;"> Surrender Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Access to Your Money </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Surrenders and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Withdrawals</span></div> </div> </td> </tr> <tr style="height:147.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 108.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div> </div> </td> <td colspan="3" style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 300pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. In addition to surrender charges, You also may be assessed a transfer </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">fee and special services fee.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. We reserve the right to charge for transfers among </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> after the first 12 transfers per Policy Year. For each such </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional transfer, we may impose a transfer fee of $10. Currently, we do </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">not charge a transfer fee, but reserve the right to do so.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Special Service Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. We reserve the right to deduct a charge for special </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services, including overnight delivery, duplicate policies, handling </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insufficient checks on new business, duplicate Form 1099 and Form 5498 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">tax forms, check copies, printing and mailing previously submitted forms, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and asset verification requests from mortgage companies.</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 108.5pt; border-right: 0.5pt solid rgb(0, 0, 0);"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Annuity Policy Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Tables and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Examples</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;text-decoration:underline;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Transaction Expenses</span></div> </div> </td> </tr> </table> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Prospectus</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses?</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(annual charges)</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The table below describes the fees and expenses that You may pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">year </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">depending on the options You choose. Please refer to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specifications page for information about the specific fees You will pay </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each year based on the options You have elected.</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Annuity Policy Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Tables and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Examples</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Base Contract Expenses</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;text-decoration:underline;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Investment Options </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Available Under the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span> </div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.85%</span> </div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Underlying Fund options (fund fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expenses)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.53%</span> </div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.36%</span> </div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefit Expenses (if elected)</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15%</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">1</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">3</span></div> </div> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> As a percentage of average </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;text-decoration:underline;">Separate Account Value</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">.</span></div> </div> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> As a percentage of Portfolio Company assets.</span></div> </div> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">3</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> As a percentage of the Rider Fee Basis or Withdrawal Base.</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because Your Policy is customizable, the choices You make affect how </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">much You will pay. To help You understand the cost of owning Your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy, the following table shows the lowest and highest cost You could pay </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on current charges. This estimate assumes that You do not </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">take withdrawals from the Policy, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add surrender charges </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">that substantially increase costs</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">$1,418</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Highest Annual Cost</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">$6,259</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Least expensive Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">transfers, or withdrawals</span></div> </div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">of optional benefits and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">payments, transfers, or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">withdrawals</span></div> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early Withdrawal?</span></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. If </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> withdraw money during a specified number of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Policy Years</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">following each premium payment being withdrawn, you may be assessed a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrender charge. The surrender charge is assessed for 5 years with a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">maximum of 5% under the Principium IV. The Principium IV with the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Access Rider eliminates all surrender charges.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, if You make an early withdrawal, you could pay a surrender </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">charge on a $100,000 investment of up to $5,000 for the Principium IV.</span></div> </div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Annuity Policy Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Tables and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Examples</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Transaction Expenses </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;"> Surrender Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Access to Your Money </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Surrenders and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Withdrawals</span></div> 5 0.05 5000 <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. In addition to surrender charges, You also may be assessed a transfer </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">fee and special services fee.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. We reserve the right to charge for transfers among </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> after the first 12 transfers per Policy Year. For each such </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional transfer, we may impose a transfer fee of $10. Currently, we do </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">not charge a transfer fee, but reserve the right to do so.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Special Service Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. We reserve the right to deduct a charge for special </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services, including overnight delivery, duplicate policies, handling </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insufficient checks on new business, duplicate Form 1099 and Form 5498 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">tax forms, check copies, printing and mailing previously submitted forms, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and asset verification requests from mortgage companies.</span></div> </div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Annuity Policy Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Tables and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Examples</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;text-decoration:underline;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Transaction Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses?</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(annual charges)</span></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The table below describes the fees and expenses that You may pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">year </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">depending on the options You choose. Please refer to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specifications page for information about the specific fees You will pay </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each year based on the options You have elected.</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Annuity Policy Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Tables and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Examples</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Base Contract Expenses</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;text-decoration:underline;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Investment Options </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Available Under the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span> </div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.85%</span> </div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Underlying Fund options (fund fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expenses)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.53%</span> </div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.36%</span> </div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefit Expenses (if elected)</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15%</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">1</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">3</span></div> </div> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> As a percentage of average </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;text-decoration:underline;">Separate Account Value</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">.</span></div> </div> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> As a percentage of Portfolio Company assets.</span></div> </div> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">3</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> As a percentage of the Rider Fee Basis or Withdrawal Base.</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because Your Policy is customizable, the choices You make affect how </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">much You will pay. To help You understand the cost of owning Your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy, the following table shows the lowest and highest cost You could pay </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on current charges. This estimate assumes that You do not </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">take withdrawals from the Policy, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add surrender charges </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">that substantially increase costs</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">$1,418</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Highest Annual Cost</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">$6,259</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Least expensive Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">transfers, or withdrawals</span></div> </div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">of optional benefits and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">payments, transfers, or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">withdrawals</span></div> 0.0085 0.0285 0.0053 0.0136 0.0015 0.025 As a percentage of average <span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;text-decoration:underline;">Separate Account Value</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">.</span> As a percentage of average <span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;text-decoration:underline;">Separate Account Value</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">.</span>As a percentage of the Rider Fee Basis or Withdrawal Base. As a percentage of Portfolio Company assets. <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">$1,418</span></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Highest Annual Cost</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">$6,259</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Least expensive Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">transfers, or withdrawals</span></div> </div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">of optional benefits and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">payments, transfers, or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">withdrawals</span></div> 1418 6259 <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Prospectus</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is There a Risk of Loss </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">From Poor </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance?</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. You can lose money by investing in this Policy.</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Investing in the Policy</span></div> </div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is This a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment?</span></div> </div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. This Policy is not a short-term investment and is not appropriate for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an investor who needs ready access to cash.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender charges may apply for several years under the Policy. Surrender </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">charges will reduce the value of Your Policy if You withdraw money during </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that time.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The benefits of tax deferral and living benefit protection also means the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy is more beneficial to investors with a long time horizon.</span></div> </div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Investing in the Policy</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Transaction Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Surrender Charges</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Tax Information</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Prospectus</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated with </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment Options?</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">An investment in this Policy is subject to the risk of poor investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">performance and can vary depending on the performance of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">Investment Options available under the Policy.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Each Investment Option, including the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Fixed Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, has its own </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">unique risks.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">You should review the prospectuses for the available Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">Companies before making an investment decision.</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Investing in the Policy</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Investment Options</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Appendix: Investment </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Options Available </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Under the Policy</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Related to the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance Company?</span></div> </div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Any obligations (including under the Fixed Account), guarantees, and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefits under the Policy are subject to our claims-paying ability. If we </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">experience financial distress, we may not be able to meet our obligations </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to You. More information about Transamerica Life Insurance Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Transamerica Financial Life Insurance Company, including our </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">financial strength ratings, is available by visiting transamerica.com or by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calling toll-free (800)525-6205.</span></div> </div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Investing in the Policy</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Information About Us</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Financial Condition</span></div> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. You can lose money by investing in this Policy.</span> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. This Policy is not a short-term investment and is not appropriate for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an investor who needs ready access to cash.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender charges may apply for several years under the Policy. Surrender </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">charges will reduce the value of Your Policy if You withdraw money during </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that time.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The benefits of tax deferral and living benefit protection also means the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy is more beneficial to investors with a long time horizon.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">An investment in this Policy is subject to the risk of poor investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">performance and can vary depending on the performance of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">Investment Options available under the Policy.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Each Investment Option, including the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Fixed Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, has its own </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">unique risks.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">You should review the prospectuses for the available Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">Companies before making an investment decision.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Any obligations (including under the Fixed Account), guarantees, and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefits under the Policy are subject to our claims-paying ability. If we </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">experience financial distress, we may not be able to meet our obligations </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to You. More information about Transamerica Life Insurance Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Transamerica Financial Life Insurance Company, including our </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">financial strength ratings, is available by visiting transamerica.com or by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calling toll-free (800)525-6205.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">We reserve the right to impose a charge for transfers in excess of 12 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">transfers per Policy Year.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">We reserve the right to limit transfers in circumstances of large or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">frequent transfers.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">The Fixed Account option may not be available for investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">depending on when you applied for your Policy and when it was issued.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">We reserve the right to remove or substitute the Portfolio Companies </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">that are available as Investment Options under the Policy.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Certain optional benefits limit or restrict the Investment Options that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">You may select under the Policy. We may change these restrictions in the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">future.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals that exceed limits specified by the terms of an optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">benefit may reduce the value of an optional benefit by an amount </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">greater than the value withdrawn, which could significantly reduce the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">value or even terminate the benefit.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">We may stop offering an optional benefit at any time for new sales, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">which includes sales to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> who may want to purchase the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">benefit after they purchase the Policy.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">In some cases, a benefit may not be available through all financial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">intermediaries or all states. For more information on the options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">available for electing a benefit, please contact Your financial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">intermediary or our Administrative Office.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Consult with a tax professional to determine the tax implications of an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">investment in and payments received under the Policy.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">If You purchase the Policy as an individual retirement account or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">through a tax qualified plan, you do not get any additional tax benefit.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">You will generally not be taxed on increases in the value of Your Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">until they are withdrawn. Earnings on Your Policy are taxed at ordinary </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">income tax rates when withdrawn, and You may have to pay a penalty if </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.0pt;">You take a withdrawal before age 59 ½.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your investment professional may receive compensation for selling this </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy to You, in the form of commissions, additional cash benefits (e.g., </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bonuses), and non-cash compensation. Our affiliate, Transamerica </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital, LLC (“TCL”), formerly known asTransamerica Capital, Inc. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(“TCI”) is the principal underwriter and may share the revenue we earn </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">on this Policy with Your investment professional’s firm. In addition, we </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may pay all or a portion of the cost of affiliates’ operating and other </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expenses. This conflict of interest may influence Your investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">professional to recommend this Policy over another investment for which </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the investment professional is not compensated or compensated less.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You already own an insurance Policy, some investment professionals </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may have a financial incentive to offer You a new Policy in place of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">one You own. You should only exchange a Policy you already own if You </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determine, after comparing the features, fees, and risks of both policies, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that it is better for You to purchase the new Policy rather than continue to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">own Your existing Policy.</span></div> <div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:18.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-weight:bold;text-transform:uppercase;">ANNUITY POLICY FEE TABLE AND EXPENSE EXAMPLES</span><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-weight:bold;line-height:18pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following table describes the fees and expenses that You will pay when buying, owning, and surrendering or making withdrawals from the Policy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please refer to Your Policy specification page for information about the specific fees You will pay each year based on the options You have elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The first table describes the fees and expenses that You will pay at the time that You buy the Policy, surrender or make withdrawals from the Policy, or transfer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> between Investment Options. State premium taxes may also be deducted.</span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transaction Expenses:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Front-End Sales Load On Purchase Payments</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contingent Deferred Surrender Charge (as a percentage of premium surrendered or withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 4</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 5</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 6 (or more)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:21pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$10</span></div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Special Service Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:21pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$50</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The next table describes the fees and expenses that You will pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> during the time that You own the policy, not including underlying fund portfolio fees and expenses.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Contract Expenses:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annual Service Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:31.94pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$50</span></div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage, annually, of average Separate Account Value)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">:</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;text-decoration:underline;">Fund Facilitation Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage, annually of the net asset value of Subaccount)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:12pt;">Optional Benefit Expenses:</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Return of Premium Death Benefit (as a percentage, annually of average Separate Account Value)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Annual Step-Up Death Benefit (as a percentage, annually of average Separate Account Value)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.35%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Access Rider (as a percentage, annually of average Separate Account Value)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.35%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Death Benefit Riders </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> No Longer Available</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional Death Distribution</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (annual charge based on Policy Value)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional Death Distribution+</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (annual charge based on Policy Value)</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Maximum Fee:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div> </div> <div style="line-height:1.0pt;margin-top:14pt;text-align:left;"> <div style="margin-top:14pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:48.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:12.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Guaranteed Lifetime Withdrawal Benefit Riders </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">:</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> rider (annual charge - % of the Rider Fee Basis)*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider (annual charge - % of Withdrawal Base)*</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:1.0pt;margin-top:1pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> <div style="line-height:1.0pt;margin-top:14.0pt;text-align:left;"> <div style="margin-top:14pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:48.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:12.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Guaranteed Lifetime Withdrawal Benefit Riders </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> No Longer Available</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement Income Max</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider (annual charge - % of Withdrawal Base)*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement Income Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.7 rider (annual charge - % of Withdrawal Base)*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Base Benefit Designated Allocation Group A*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Base Benefit Designated Allocation Group B*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Base Benefit Designated Allocation Group C*</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span></div> </div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:48.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:12.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Additional Benefits available with Retirement Income Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> 1.7 rider:</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Death Benefit - (Single Life Option) (annual charge - % of Withdrawal Base)*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Death Benefit - (Joint Life Option) (annual charge - % of Withdrawal Base)*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.50%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Income Enhancement</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - (Single Life Option - Not available in NY) (annual charge - % of Withdrawal Base)*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.45%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Income Enhancement</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - (Joint Life Option - Not available in NY) (annual charge - % of Withdrawal Base)*</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.65%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:4pt;text-align:left;"> <div style="margin-top:4pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">*The current rider fee will be less than or equal to the stated Maximum. Your rider fee may increase (or decrease) at the time of any automatic step-up or optional reset. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Reset</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> discussion for each applicable optional benefit. Your rider fee percentage will not exceed the maximum fee percentage shown in this table. The current rider fee will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:14.0pt;margin-top:14.0pt;text-align:left;"> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Notes to Fee Table</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transaction Expenses:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">1) Maximum Surrender Charge:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:12.0pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The surrender charge, if any is imposed, applies to each premium payment, regardless of how Policy Value is allocated among the Investment Options. The surrender charge decreases based on the number of years since that premium payment was made.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">2) Transfer Fee:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The transfer fee, if any is imposed, applies to each Policy, regardless of how Policy Value is allocated among the Investment Options. There is no fee for the first 12 transfers per Policy Year. For additional transfers, we may charge a fee of $10 per transfer. Currently, we do not charge a transfer fee, but reserve the right to do so.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">3) Special Service Fee:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently deduct a charge for overnight delivery and duplicate policies. We reserve the right to deduct a charge for special services in the future, including non-sufficient checks on new business; duplicate Form 1099 and Form 5498 tax forms; check copies; printing and mailing previously submitted forms; and asset verification requests from mortgage companies. We may charge a fee for each service performed and fees may vary based on the type of service but will not exceed the maximum Special Service Fee shown above.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">4) Annual Service Charge:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The annual service charge is assessed on each Policy anniversary and at the time of surrender. The charge (up to $50) is waived if Your Policy Value or the sum of Your premiums less all withdrawals, is at least $100,000. The current annual service charge is the lesser of $35 per Policy Year or 2% of the Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> </div> <div style="line-height:1.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;margin-left:36pt;width:445pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:408.74pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:1pt groove #000000;color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge Type</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:36.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:16.55%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Amount</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:408.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Current Annual Service Charge</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:36.26pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$35</span></div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:408.74pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Maximum Annual Service Charge</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:36.26pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$50</span></div> </div> </td> </tr> </table> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Contract Expenses:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">5) Base Contract Expenses:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Mortality and Expense Risk and Administrative Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: The mortality and expense risk fee shown is for the accumulation phase with the base death benefit. During the income phase, the mortality and expense risk and administrative fee will be equal to the Base Contract Expense Fee as listed, plus any Optional Benefit Expenses selected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Fund Facilitation Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Any Fund Facilitation Fee is a Separate Account expense in addition to the mortality and expense risk and administrative fees. This daily fee is applied only to Policy Value in the Subaccounts invested in the following Portfolio Companies:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;margin-left:72pt;width:373pt; border-spacing: 0px;"> <tr style="height:23.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Companies</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:47.75pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:12.57%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Annualized</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Fee %</span></div> </div> </div> </td> </tr> <tr style="height:55pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dimensional VA Global Bond Portfolio - Institutional Class</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Balanced Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Conservative Allocation Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Mid-Cap Index Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Moderate Allocation Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div> </div> </div> </td> </tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Consumer Staples - Initial Class</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Technology Portfolio - Initial Class</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Utilities Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.50%</span></div> </div> </div> </td> </tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Energy Portfolio - Service Class 2</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30%</span></div> </div> </div> </td> </tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">AB Balanced Hedged Allocation Portfolio - Class B</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Total Return V.I.S. Fund - Class 3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.20%</span></div> </div> </div> </td> </tr> <tr style="height:31pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds - New World Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 4<br/>Putnam VT International Fund - Class IB</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">TA MSCI EAFE Index - Service Class</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">TA S&amp;P 500 Index - Service Class</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We charge a Fund Facilitation Fee in order to make certain Portfolio Companies available as investment choices under the policies. We apply the fee to Portfolio Companies that invest in underlying fund portfolios that do not provide us with the amount of revenue we require in order for us to meet our expenses and revenue targets. This fee is assessed daily based on the net asset value of Portfolio Companies that we specify, up to a maximum fee of 0.60%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Benefit Separate Account Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Any optional benefit separate account expense is in addition to the mortality and expense risk and administrative fees. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Access Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: The fee is a percentage of the daily net asset value in the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Fixed Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: This account is comprised of one or more investment options under the Policy that are part of our general assets and are not in the Separate Account. Interest will be compounded annually and credited daily to achieve at least the guaranteed minimum effective interest rate(s). We may declare a higher interest rate in advance. New money and renewals will be based upon the most recent declared interest rate(s). We reserve the right to limit any or all Fixed Accounts from accepting new premiums, transfers, or rollovers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Total Separate Account Annual Expenses with Highest Optional Separate Account Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: This reflects the base Separate Account expenses, the Annual Step-Up Death Benefit fee, Fund Facilitation Fee and the Access Rider, but does not include any other Optional Rider Charges. The death benefits are mutually exclusive.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">OPTIONAL RIDERS</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In some cases, riders to the Policy are available that provide optional benefits. There are additional fees (annualized fee charged on a yearly or quarterly basis, depending on the rider) for those riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">6) Optional Guaranteed Lifetime Withdrawal Benefit Riders:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> Rider - Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: We use the withdrawal base to calculate the rider withdrawal amount. The withdrawal base is also used in the calculation of the rider fee. We use the greater of the withdrawal base and the guaranteed future value to calculate the rider fee. The withdrawal base on the rider date is the Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please note: For policies issued in the state of New York, Please see </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for rider availability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 - Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: We use the withdrawal base to calculate the rider withdrawal amount. The withdrawal base is also used in the calculation of the rider fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10.0pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">7) Optional Guaranteed Lifetime Withdrawal Benefit Riders </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– No Longer Available:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Retirement Income Max</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Rider and Retirement Income Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.7 Rider - Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: We use the withdrawal base to calculate the rider withdrawal amount. The withdrawal base is also used in the calculation of the rider fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee table information relating to the underlying fund portfolios was provided to us by the underlying fund portfolios, their investment advisers or managers. We have not verified the accuracy of information provided by unaffiliated fund portfolios. Actual future expenses of the portfolios may be greater or less than those shown in the Table. “Gross” expense figures do not reflect any fee waivers or expense reimbursements. Actual expenses may have been lower than those shown in the Table.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Portfolio Company Expenses:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The next table shows the minimum and maximum total operating expenses charged by the Portfolio Companies that You may pay periodically during the time You own the Policy. A complete list of the Portfolios available under the Policy, including their annual expenses may be found under </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix: Investment Options Available Under the Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:376.1pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Company Expenses</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:73.18pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:61.18pt;"> <div style="display:flex;margin:auto;width:63.18pt;"> <div style="display:flex;white-space:nowrap;width:63.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Minimum</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:67.72pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:61.72pt;"> <div style="display:flex;margin:auto;width:63.72pt;"> <div style="display:flex;white-space:nowrap;width:63.72pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Maximum</span></div> </div> </div> </td> </tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:376.1pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">distribution and/or service 12b-1 fees, Fund Facilitation Fee if applicable, and other expenses</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:73.18pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:61.18pt;"> <div style="display:flex;margin:auto;width:63.18pt;"> <div style="display:flex;white-space:nowrap;width:63.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:35.24pt;">0.53%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:67.72pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:61.72pt;"> <div style="display:flex;margin:auto;width:63.72pt;"> <div style="display:flex;white-space:nowrap;width:63.72pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:35.78pt;">1.36%</span></div> </div> </div> </td> </tr> <tr style="height:31pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:376.1pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, 12b-1 </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">fees, Fund Facilitation Fee if applicable and other expenses, Fund Facilitation Fee if </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">applicable, after any waivers or expense reimbursements</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:73.18pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:61.18pt;"> <div style="display:flex;margin:auto;width:63.18pt;"> <div style="display:flex;white-space:nowrap;width:63.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:35.24pt;">0.53%</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:67.72pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:61.72pt;"> <div style="display:flex;margin:auto;width:63.72pt;"> <div style="display:flex;white-space:nowrap;width:63.72pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:35.78pt;">1.15%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expense Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following Examples are intended to help You compare the cost of investing in the Policy with the cost of investing in other variable annuity policies. These costs include transaction expenses, annual Policy expenses, and Portfolio Company operating expenses.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Examples assume that You invest $100,000 in the Policy for the time periods indicated. The Examples also assume that Your policy has a 5% return each year and assumes the most expensive combination of annual Portfolio Company expenses and optional benefits available for an additional charge. This includes the maximum annual Portfolio Company expenses (including Fund Facilitation Fee, if applicable) Annual Step-Up Death Benefit, Additional Death Distribution+</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider and Retirement Income Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.7 rider - Joint Life with additional Death Benefit and Income Enhancement</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> options. Although Your actual costs may be higher or lower, based on these assumptions, Your costs would be:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Policy is surrendered at the end of the applicable time period:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> </div> <div style="line-height:1.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:89.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:6.71%;margin-right:6.71%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">without Access Rider</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:70.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:8.45%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">with Access Rider</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1 Year</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$11,251</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">7,092</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">3 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$23,315</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$21,581</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">5 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$35,817</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$36,427</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10 Years</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$72,209</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$74,693</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Policy is Annuitized at the end of the applicable time period or if You do not surrender Your Policy:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> </div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:89.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:6.71%;margin-right:6.71%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">without Access Rider</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:70.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:8.45%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">with Access Rider</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1 Year</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">6,751</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">7,092</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">3 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$20,615</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$21,581</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">5 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$34,917</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$36,427</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10 Years</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$72,209</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$74,693</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please remember that these Examples are illustrations and do not represent past or future expenses. Your actual expenses may be lower or higher than those reflected in the Examples. Similarly, Your rate of return may be more or less than the 5% assumed in the Examples. The Examples don't reflect premium tax charges, special service fees, or transfer fees. Different fees and expenses not reflected in the Examples may be assessed during the income phase of the Policy.</span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transaction Expenses:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Front-End Sales Load On Purchase Payments</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contingent Deferred Surrender Charge (as a percentage of premium surrendered or withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 4</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 5</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Year 6 (or more)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:21pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:15pt;"> <div style="display:flex;margin:auto;width:15.44pt;"> <div style="display:flex;white-space:nowrap;width:15.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:21pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$10</span></div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:496pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Special Service Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:21pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$50</span></div> </div> </td> </tr> </table> 0 0.05 0 10 50 <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Contract Expenses:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annual Service Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:31.94pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$50</span></div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage, annually, of average Separate Account Value)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">:</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;text-decoration:underline;">Fund Facilitation Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage, annually of the net asset value of Subaccount)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:12pt;">Optional Benefit Expenses:</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Return of Premium Death Benefit (as a percentage, annually of average Separate Account Value)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Annual Step-Up Death Benefit (as a percentage, annually of average Separate Account Value)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.35%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Access Rider (as a percentage, annually of average Separate Account Value)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.35%</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Death Benefit Riders </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> No Longer Available</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional Death Distribution</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (annual charge based on Policy Value)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:485.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional Death Distribution+</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (annual charge based on Policy Value)</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:31.94pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:25.94pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div> </div> </div> </td> </tr> </table><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Maximum Fee:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:48.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:12.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Guaranteed Lifetime Withdrawal Benefit Riders </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">:</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"> </div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> rider (annual charge - % of the Rider Fee Basis)*</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:468.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider (annual charge - % of Withdrawal Base)*</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:48.38pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:42.38pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.50%</span></div> </div> </div> </td> </tr> </table> 50 0.0085 0.006 0.0015 0.0035 0.0035 0.025 0.025 The current rider fee will be less than or equal to the stated Maximum. Your rider fee may increase (or decrease) at the time of any automatic step-up or optional reset. <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Reset</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> discussion for each applicable optional benefit. Your rider fee percentage will not exceed the maximum fee percentage shown in this table. The current rider fee will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC).</span> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">1) Maximum Surrender Charge:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The surrender charge, if any is imposed, applies to each premium payment, regardless of how Policy Value is allocated among the Investment Options. The surrender charge decreases based on the number of years since that premium payment was made.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> Transfer Fee:<span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The transfer fee, if any is imposed, applies to each Policy, regardless of how Policy Value is allocated among the Investment Options. There is no fee for the first 12 transfers per Policy Year. For additional transfers, we may charge a fee of $10 per transfer. Currently, we do not charge a transfer fee, but reserve the right to do so.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> Special Service Fee:<span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently deduct a charge for overnight delivery and duplicate policies. We reserve the right to deduct a charge for special services in the future, including non-sufficient checks on new business; duplicate Form 1099 and Form 5498 tax forms; check copies; printing and mailing previously submitted forms; and asset verification requests from mortgage companies. We may charge a fee for each service performed and fees may vary based on the type of service but will not exceed the maximum Special Service Fee shown above.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> Annual Service Charge:<span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The annual service charge is assessed on each Policy anniversary and at the time of surrender. The charge (up to $50) is waived if Your Policy Value or the sum of Your premiums less all withdrawals, is at least $100,000. The current annual service charge is the lesser of $35 per Policy Year or 2% of the Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;margin-left:36pt;width:445pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:408.74pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:1pt groove #000000;color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge Type</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:36.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:16.55%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Amount</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:408.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Current Annual Service Charge</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:36.26pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$35</span></div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:408.74pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:12pt;">Maximum Annual Service Charge</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:36.26pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$50</span></div> </div> </td> </tr> </table> Base Contract Expenses:<span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Mortality and Expense Risk and Administrative Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: The mortality and expense risk fee shown is for the accumulation phase with the base death benefit. During the income phase, the mortality and expense risk and administrative fee will be equal to the Base Contract Expense Fee as listed, plus any Optional Benefit Expenses selected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Fund Facilitation Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Any Fund Facilitation Fee is a Separate Account expense in addition to the mortality and expense risk and administrative fees. This daily fee is applied only to Policy Value in the Subaccounts invested in the following Portfolio Companies:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;margin-left:72pt;width:373pt; border-spacing: 0px;"> <tr style="height:23.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Companies</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:47.75pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:12.57%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Annualized</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Fee %</span></div> </div> </div> </td> </tr> <tr style="height:55pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dimensional VA Global Bond Portfolio - Institutional Class</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Balanced Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Conservative Allocation Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Mid-Cap Index Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Moderate Allocation Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div> </div> </div> </td> </tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Consumer Staples - Initial Class</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Technology Portfolio - Initial Class</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Utilities Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.50%</span></div> </div> </div> </td> </tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Energy Portfolio - Service Class 2</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30%</span></div> </div> </div> </td> </tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">AB Balanced Hedged Allocation Portfolio - Class B</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Total Return V.I.S. Fund - Class 3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.20%</span></div> </div> </div> </td> </tr> <tr style="height:31pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:325.25pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds - New World Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 4<br/>Putnam VT International Fund - Class IB</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">TA MSCI EAFE Index - Service Class</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">TA S&amp;P 500 Index - Service Class</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:47.75pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:41.75pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15%</span></div> </div> </div> </td> </tr> </table><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We charge a Fund Facilitation Fee in order to make certain Portfolio Companies available as investment choices under the policies. We apply the fee to Portfolio Companies that invest in underlying fund portfolios that do not provide us with the amount of revenue we require in order for us to meet our expenses and revenue targets. This fee is assessed daily based on the net asset value of Portfolio Companies that we specify, up to a maximum fee of 0.60%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Benefit Separate Account Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Any optional benefit separate account expense is in addition to the mortality and expense risk and administrative fees. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Access Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: The fee is a percentage of the daily net asset value in the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Fixed Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: This account is comprised of one or more investment options under the Policy that are part of our general assets and are not in the Separate Account. Interest will be compounded annually and credited daily to achieve at least the guaranteed minimum effective interest rate(s). We may declare a higher interest rate in advance. New money and renewals will be based upon the most recent declared interest rate(s). We reserve the right to limit any or all Fixed Accounts from accepting new premiums, transfers, or rollovers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Total Separate Account Annual Expenses with Highest Optional Separate Account Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: This reflects the base Separate Account expenses, the Annual Step-Up Death Benefit fee, Fund Facilitation Fee and the Access Rider, but does not include any other Optional Rider Charges. The death benefits are mutually exclusive.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">OPTIONAL RIDERS</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In some cases, riders to the Policy are available that provide optional benefits. There are additional fees (annualized fee charged on a yearly or quarterly basis, depending on the rider) for those riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> Rider - Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: We use the withdrawal base to calculate the rider withdrawal amount. The withdrawal base is also used in the calculation of the rider fee. We use the greater of the withdrawal base and the guaranteed future value to calculate the rider fee. The withdrawal base on the rider date is the Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 - Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: We use the withdrawal base to calculate the rider withdrawal amount. The withdrawal base is also used in the calculation of the rider fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:376.1pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Company Expenses</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:73.18pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:61.18pt;"> <div style="display:flex;margin:auto;width:63.18pt;"> <div style="display:flex;white-space:nowrap;width:63.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Minimum</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:67.72pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:61.72pt;"> <div style="display:flex;margin:auto;width:63.72pt;"> <div style="display:flex;white-space:nowrap;width:63.72pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Maximum</span></div> </div> </div> </td> </tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:376.1pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">distribution and/or service 12b-1 fees, Fund Facilitation Fee if applicable, and other expenses</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:73.18pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:61.18pt;"> <div style="display:flex;margin:auto;width:63.18pt;"> <div style="display:flex;white-space:nowrap;width:63.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:35.24pt;">0.53%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:67.72pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:61.72pt;"> <div style="display:flex;margin:auto;width:63.72pt;"> <div style="display:flex;white-space:nowrap;width:63.72pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:35.78pt;">1.36%</span></div> </div> </div> </td> </tr> <tr style="height:31pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:376.1pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, 12b-1 </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">fees, Fund Facilitation Fee if applicable and other expenses, Fund Facilitation Fee if </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">applicable, after any waivers or expense reimbursements</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:73.18pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:61.18pt;"> <div style="display:flex;margin:auto;width:63.18pt;"> <div style="display:flex;white-space:nowrap;width:63.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:35.24pt;">0.53%</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:67.72pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:61.72pt;"> <div style="display:flex;margin:auto;width:63.72pt;"> <div style="display:flex;white-space:nowrap;width:63.72pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:35.78pt;">1.15%</span></div> </div> </div> </td> </tr> </table> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">distribution and/or service 12b-1 fees, Fund Facilitation Fee if applicable, and other expenses</span></div> 0.0053 0.0136 0.0053 0.0115 <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:89.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:6.71%;margin-right:6.71%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">without Access Rider</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:70.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:8.45%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">with Access Rider</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1 Year</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$11,251</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">7,092</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">3 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$23,315</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$21,581</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">5 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$35,817</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$36,427</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10 Years</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$72,209</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$74,693</span></div> </div> </div> </td> </tr> </table> 11251 7092 23315 21581 35817 36427 72209 74693 <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:89.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:6.71%;margin-right:6.71%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">without Access Rider</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:70.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:8.45%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">with Access Rider</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1 Year</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">6,751</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">7,092</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">3 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$20,615</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$21,581</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">5 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$34,917</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$36,427</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10 Years</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$72,209</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$74,693</span></div> </div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:89.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:6.71%;margin-right:6.71%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">without Access Rider</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:70.97pt;"> <div style="line-height:11pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:8.45%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">with Access Rider</span></div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1 Year</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">6,751</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">7,092</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">3 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$20,615</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$21,581</span></div> </div> </div> </td> </tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">5 Years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$34,917</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:11.0pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$36,427</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;width:356.62pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10 Years</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:89.41pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:77.41pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$72,209</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Bottom;white-space:nowrap;width:70.97pt;"> <div style="line-height:10pt;margin-left:6pt;text-align:right;width:64.97pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$74,693</span></div> </div> </div> </td> </tr> </table> 6751 6751 7092 7092 20615 20615 21581 21581 34917 34917 36427 36427 72209 72209 74693 74693 <div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:14.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Principal Risks of Investing in the Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">There are risks associated with investing in the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> You can lose money in a variable annuity, including potential loss of Your original investment. The value of Your investment and any returns will depend primarily on the performance of the underlying fund portfolios You select. Each underlying fund portfolio may have its own unique risks. We reserve the right to remove or substitute underlying funds, to impose investment restrictions and to limit additional purchase payments or transfers between investment options.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Variable annuities are not a short-term investment vehicle. The surrender charge applies for a number of years, so that the Policy should only be purchased for the long-term. Under some circumstances, You may receive less than the sum of Your premium payments. In addition, full or partial withdrawals will be subject to income tax and may be subject to a 10% Internal Revenue Service (“IRS”) penalty if taken before age 59½. Accordingly, You should carefully consider Your income and liquidity needs before purchasing a Policy. Additional information about these risks appears in the Tax Information section of this prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks Of An Increase In Current Fees And Expenses. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain fees and expenses are currently assessed at less than their guaranteed maximum levels. In the future, these charges may be increased up to the guaranteed (maximum) levels.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You bear the risk of any decline in the Policy Value caused by the performance of the underlying fund portfolios held by the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Subaccounts</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Those funds could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each underlying fund. This risk could have a significant negative impact on the value of certain optional benefits offered under the Policy. The investment risks are described in the prospectuses for the underlying funds.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Restrictions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">– Opportunity Risks. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Generally, the living benefit riders offered under the Policy restrict Your choice of available underlying fund portfolios. These restrictions are intended to protect us financially, in that they reduce the likelihood that we will have to pay guaranteed benefits under the riders from our own assets. These restrictions could result in an opportunity cost </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in the form of underlying fund portfolios that You did not invest in that ultimately generated superior investment performance. Thus, You should consider these underlying fund portfolio restrictions when deciding whether to elect an optional benefit that features such restrictions.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risk Associated With Election of Optional Benefits. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Several of the optional benefits include a host of requirements that must be adhered to in order to preserve and maximize the guarantees we offer under the benefit. If You fail to adhere to these requirements, that may diminish the value of the benefit and even possibly cause termination of the benefit. In addition, it is possible that You will pay fees for the optional benefit without fully realizing the guarantees available under the optional benefit. For example, such would be the case if You were to hold a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Lifetime Withdrawal Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for many years yet die sooner than anticipated, without having taken a significant number of lifetime withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks of Managing General Account Assets. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The general account assets of the Company are used to support the payment of guaranteed benefits under the Policy. To the extent that the Company is required to pay amounts in addition to the Policy Value, such amounts will come from our general account assets. You should be aware that the general account assets are exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk, and are also subject to the claims of the Company’s general creditors. The Company’s financial statements contained in the Statement of Additional Information include a further discussion of risks inherent in the general account investments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Insurance Company Insolvency</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that exceed the assets in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Separate Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> that we promise.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Tax Consequences. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals are generally taxable to the extent of any earnings in the Policy, and prior to age 59½ a tax penalty may apply. In addition, even if the Policy is held for years before any withdrawal is made, withdrawals are taxable as ordinary income rather than capital gains.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Cybersecurity and Certain Business Continuity Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data and breaches of regulation may lead to a materially adverse effect on our results of operations and corporate reputation. In addition, we must commit significant resources to maintain and enhance its existing systems in order to keep pace with applicable regulatory requirements, industry standards and customer preferences. If we fail to maintain secure and well-functioning information systems, we may not be able to rely on information for product pricing, compliance obligations, risk management and underwriting decisions. In addition, we cannot assure </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">investors or consumers that interruptions, failures or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. The occurrence of any of these events may have a materially adverse effect on our businesses, results of operations and financial condition.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For additional detail regarding cybersecurity and related risks, please reference the Cyber Security section in the Statement of Additional Information.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Business Continuity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our business operations may be adversely affected by volatile natural and man-made disasters, including (but not limited to) hurricanes, earthquakes, terrorism, civil unrest, geopolitical disputes, military action, fires and explosions, pandemic diseases, and other catastrophes (“Catastrophic Events”). Over the past several years, changing weather patterns and climatic conditions have added to the unpredictability and frequency of natural disasters in certain parts of the world. To date, the COVID-19 pandemic has caused significant uncertainty and disruption to governments, business operations, and consumer behavior on a global scale. Such uncertainty as to future trends and exposure may lead to financial losses to our businesses. Furthermore, Catastrophic Events may disrupt our operations and result in the loss of, or restricted access to, property and information about Transamerica and its clients. Such events may also impact the availability and capacity of our key personnel. If our business continuity plans do not include effective contingencies for Catastrophic Events, we may experience business disruption, damage to corporate reputation, and damage to financial condition for a prolonged period of time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">There are risks associated with investing in the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> You can lose money in a variable annuity, including potential loss of Your original investment. The value of Your investment and any returns will depend primarily on the performance of the underlying fund portfolios You select. Each underlying fund portfolio may have its own unique risks. We reserve the right to remove or substitute underlying funds, to impose investment restrictions and to limit additional purchase payments or transfers between investment options.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Variable annuities are not a short-term investment vehicle. The surrender charge applies for a number of years, so that the Policy should only be purchased for the long-term. Under some circumstances, You may receive less than the sum of Your premium payments. In addition, full or partial withdrawals will be subject to income tax and may be subject to a 10% Internal Revenue Service (“IRS”) penalty if taken before age 59½. Accordingly, You should carefully consider Your income and liquidity needs before purchasing a Policy. Additional information about these risks appears in the Tax Information section of this prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks Of An Increase In Current Fees And Expenses. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain fees and expenses are currently assessed at less than their guaranteed maximum levels. In the future, these charges may be increased up to the guaranteed (maximum) levels.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You bear the risk of any decline in the Policy Value caused by the performance of the underlying fund portfolios held by the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Subaccounts</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Those funds could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each underlying fund. This risk could have a significant negative impact on the value of certain optional benefits offered under the Policy. The investment risks are described in the prospectuses for the underlying funds.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Restrictions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">– Opportunity Risks. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Generally, the living benefit riders offered under the Policy restrict Your choice of available underlying fund portfolios. These restrictions are intended to protect us financially, in that they reduce the likelihood that we will have to pay guaranteed benefits under the riders from our own assets. These restrictions could result in an opportunity cost </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in the form of underlying fund portfolios that You did not invest in that ultimately generated superior investment performance. Thus, You should consider these underlying fund portfolio restrictions when deciding whether to elect an optional benefit that features such restrictions.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risk Associated With Election of Optional Benefits. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Several of the optional benefits include a host of requirements that must be adhered to in order to preserve and maximize the guarantees we offer under the benefit. If You fail to adhere to these requirements, that may diminish the value of the benefit and even possibly cause termination of the benefit. In addition, it is possible that You will pay fees for the optional benefit without fully realizing the guarantees available under the optional benefit. For example, such would be the case if You were to hold a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Lifetime Withdrawal Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for many years yet die sooner than anticipated, without having taken a significant number of lifetime withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks of Managing General Account Assets. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The general account assets of the Company are used to support the payment of guaranteed benefits under the Policy. To the extent that the Company is required to pay amounts in addition to the Policy Value, such amounts will come from our general account assets. You should be aware that the general account assets are exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk, and are also subject to the claims of the Company’s general creditors. The Company’s financial statements contained in the Statement of Additional Information include a further discussion of risks inherent in the general account investments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Insurance Company Insolvency</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that exceed the assets in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Separate Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> that we promise.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Tax Consequences. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals are generally taxable to the extent of any earnings in the Policy, and prior to age 59½ a tax penalty may apply. In addition, even if the Policy is held for years before any withdrawal is made, withdrawals are taxable as ordinary income rather than capital gains.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Cybersecurity and Certain Business Continuity Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data and breaches of regulation may lead to a materially adverse effect on our results of operations and corporate reputation. In addition, we must commit significant resources to maintain and enhance its existing systems in order to keep pace with applicable regulatory requirements, industry standards and customer preferences. If we fail to maintain secure and well-functioning information systems, we may not be able to rely on information for product pricing, compliance obligations, risk management and underwriting decisions. In addition, we cannot assure </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">investors or consumers that interruptions, failures or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. The occurrence of any of these events may have a materially adverse effect on our businesses, results of operations and financial condition.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For additional detail regarding cybersecurity and related risks, please reference the Cyber Security section in the Statement of Additional Information.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Business Continuity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our business operations may be adversely affected by volatile natural and man-made disasters, including (but not limited to) hurricanes, earthquakes, terrorism, civil unrest, geopolitical disputes, military action, fires and explosions, pandemic diseases, and other catastrophes (“Catastrophic Events”). Over the past several years, changing weather patterns and climatic conditions have added to the unpredictability and frequency of natural disasters in certain parts of the world. To date, the COVID-19 pandemic has caused significant uncertainty and disruption to governments, business operations, and consumer behavior on a global scale. Such uncertainty as to future trends and exposure may lead to financial losses to our businesses. Furthermore, Catastrophic Events may disrupt our operations and result in the loss of, or restricted access to, property and information about Transamerica and its clients. Such events may also impact the availability and capacity of our key personnel. If our business continuity plans do not include effective contingencies for Catastrophic Events, we may experience business disruption, damage to corporate reputation, and damage to financial condition for a prolonged period of time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:14.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Benefits Available Under the Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following table summarizes information about the benefits available under the Policy.</span></div> <div style="margin-top: 6pt; font-size: 10pt;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">The availability of Policy benefits may vary depending on the financial intermediary through which the Policy is sold. See Appendix - Financial Intermediary Variations.</span> </div></div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:101pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Access Rider</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider eliminates any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrender charges during the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">accumulation phase.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equal to 0.35% </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Separate Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is irrevocable.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This does not eliminate any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Excess Interest Adjustment or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">modify other provisions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:113pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">“Base Policy” Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays base death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">generally equal to the greatest of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy Value, Cash Value plus </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">positive Excess Interest </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Adjustment and Fixed Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portion of minimum required </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Value plus the Separate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account portion of the Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Death benefit terminates </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">without value upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:255.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Return of Premium </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays minimum death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">equal to total premium </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments (minus adjusted </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals as of the date of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death, and minus withdrawals </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the date of death to the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">date the death benefit is paid).</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.15% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">average Separate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot change death benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">once elected.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Not available if You or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant is 86 or older on </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy Date.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate 100% of Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Value to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals can significantly </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">reduce benefit value or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Telephone and on-line </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">transfers among Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Options are not available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:257pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Step-Up Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays death benefit equal to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">highest Policy Value on Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Date or on any Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuitant’s 81st birthday </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(adjusted for premium </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments and withdrawals).</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.35% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">average Separate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot change death benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">once elected.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Not available if You or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant is 76 or older on </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy Date.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate 100% of Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Value to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals can significantly </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">reduce benefit value or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">”Step-Up” ends on Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Anniversary prior to Your </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">81st birthday.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:201.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Additional Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays an additional death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount based on any rider </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">earnings, since the rider was </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">issued.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.25% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Policy Value</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for issue ages </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">through 75 and younger.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was not available to Inherited </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">IRAs.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Return of Premium Death </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit or Annual Step-Up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Death Benefit and subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">same Investment Restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Additional benefit amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">varies by issue age.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:275pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Additional Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution+</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays an additional death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount that varies depending </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">on time elapsed since rider date.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.55% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Policy Value</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only for issue </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">ages 69 and younger.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was not available to Inherited </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">IRAs.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Return of Premium Death </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit or Annual Step-Up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Death Benefit, and subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">the same Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Additional benefit amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">during first five years after </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider date equal to sum of all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider fees paid since rider </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">date, after five years, benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">equal to percentage of rider </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefit base.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> </div> </td> </tr> <tr style="height:98pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Nursing Care and </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Terminal Condition </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waives Surrender Charges and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Excess Interest Adjustments if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You or Your spouse are confined </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to a nursing home or have </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminal illness.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals are subject to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">$1,000 minimum.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Qualifying conditions related </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to nursing home stay and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminal illness.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:144.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Unemployment Waiver</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waives Surrender Charges and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Excess Interest Adjustments if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You or Your spouse become </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">unemployed due to involuntary </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">job termination or lay-off.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No charge</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Qualifying conditions related </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to job termination and job </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">history.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must be unemployed for a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">certain period of time prior to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">taking withdrawal, be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">receiving unemployment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefits, and have $5,000 </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">minimum in Cash Value.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:149pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make transfers into one or more </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subaccounts.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Traditional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> A minimum of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">$500 per transfer is required.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Minimum and maximum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">number of transfers.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Special </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Limited to six </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">month or twelve-month </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">transfer program and only </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available for new premium </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">payments.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:53pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Asset Rebalancing</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically rebalances the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts in Your Subaccounts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to maintain Your desired asset </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation percentages.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Does not include any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">amounts allocated to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Fixed Account.</span></div> </div> </td> </tr> <tr style="height:195.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Systematic Payout </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides monthly, quarterly, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">semi-annual or annual </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No Charge</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Subject to $40 minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawals.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals in </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">excess of cumulative interest </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">credited from guaranteed </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">period options may be subject </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to Excess Interest </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Adjustment.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals in </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">excess of remaining </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Surrender </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;text-decoration:underline;">Charge Free Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> may be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to Surrender Charge.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals can </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">value or terminate benefit.</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:534.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transamerica Principal </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> Rider</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides both a Guaranteed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifetime Withdrawal Benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Guaranteed Minimum </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Accumulation Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">2.50% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Rider Fee Basis</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot be added to a Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Please note: For policies </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">issued in the state of New </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">York, please see </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Appendix - </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;text-decoration:underline;">State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> section for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider availability.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees are subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase (or decrease) at the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">time of any automatic step-up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">of the withdrawal base. You </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">can opt out of any step-up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(and fee increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate a certain </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">percentage of the Policy Value </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to the Stable Account, the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">select Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and the flexible Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Guaranteed minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">accumulation portion of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefit applies only if rider is </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">held for the waiting period </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">you elect (7 or 10 years).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider withdrawal amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">under guaranteed minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal equal to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base multiplied by </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">the withdrawal percentage.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Benefit terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:411.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Retirement Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Max</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> 1.2 Rider</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides Guaranteed Lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">2.50% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Withdrawal Base</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Could not be added to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals may </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminated the benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:459.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Retirement Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Choice 1.7 Rider</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides guaranteed lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59. Also </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provides death protection </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or long-term care for an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional fee.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">2.50% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Withdrawal Base </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit Rider </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to base benefit: </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.55% annually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Single Life) or </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.50% annually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Joint Life), of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Base.</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Enhancement </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Option: 0.45% </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually (Single Life) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or 0.65% annually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Joint Life) of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Base.</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If qualifications are </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">met, the Income </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Enhancement </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Option increases the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage by 50%</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Could not be added to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate the benefits.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">The Income Enhancement </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Option subject to qualifying </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">conditions, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">conditions related to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">hospital and/or nursing home </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">stay.</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:357.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transamerica Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> 1.2 Rider</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides guaranteed lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">2.50% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Base</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot be added to a Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider, or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate the benefits.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:14.0pt;margin-top:14pt;text-align:left;"> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">DEATH BENEFIT</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will pay a death benefit to Your beneficiary, under certain circumstances, if the Annuitant dies during the accumulation phase. If there is a surviving Owner(s) when the Annuitant dies, the surviving Owner(s) will receive the death benefit instead of the listed beneficiary. The person receiving the death benefit may choose an Annuity Payment Option (if You pick a variable Annuity Payment Option fees and expenses will apply), or may choose to receive the death benefit as a lump sum withdrawal. The guarantees of these death benefits are based on our claims-paying ability. No death benefit will be payable upon or after the Annuity Commencement Date. Please note that there is a mandatory Annuity Commencement Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">ANNUITY PAYMENTS (THE INCOME PHASE)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">section in this prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will determine the amount of and process the death benefit proceeds, if any are payable on a Policy, upon receipt at our Administrative Office of satisfactory proof of the Annuitant's death, directions regarding how to process the death benefit, and any other documents, forms and information that we need (collectively referred to as “due proof of death”). For policies with multiple beneficiaries, we will process the death benefit when the first beneficiary provides us with due proof of their share of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Death Proceeds</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. We will not pay any remaining beneficiary their share until we receive due proof of death from that beneficiary. Such beneficiaries continue to bear the investment risk until they submit due proof of death. Please note, we may be required to remit the death benefit proceeds to a state prior to receiving “due proof of death”. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Abandoned or Unclaimed Property</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Such due proof of death must be received in good order to avoid a delay in processing the death benefit claim. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">OTHER INFORMATION - Sending Forms and Transaction Requests in Good Order</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit proceeds remain invested in the Separate Account in accordance with the allocations made by the Policy Owner until the beneficiary has provided us with due proof of death. Once we receive due proof of death, investments in the Separate Account may be reallocated in accordance with the beneficiary's instructions.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may permit the beneficiary to give a “one-time” written instruction to reallocate the Policy Value in the Separate Account to the money market Subaccount after the death of the Annuitant. If there is more than one beneficiary, all beneficiaries must agree to the reallocation instructions. This one-time reallocation will be permitted if the beneficiary provides satisfactory evidence of the Annuitant's death (satisfactory evidence may include a certified death certificate).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">When We Pay A Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will pay a death benefit IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You are both the Annuitant and sole Owner of the Policy; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You die before the Annuity Commencement Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will pay a death benefit to You (Owner) IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You are not the Annuitant; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant dies before the Annuity Commencement Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: If there is a surviving Owner(s) when the Annuitant dies, the surviving Owner(s) will receive the death benefit (i.e., the surviving Owner(s) takes the place of any beneficiary designation).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the designated beneficiary receiving the death benefit is the surviving spouse of the Owner, then he or she may elect, if eligible, to continue the Policy as the new Annuitant and Owner, instead of receiving the death benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">DEATH BENEFIT - Spousal Continuation</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. All currently existing surrender charges will be waived.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">When We Do Not Pay A Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not pay a death benefit IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You are the Owner but not the Annuitant; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You die prior to the Annuity Commencement Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If an Owner (who is not the Annuitant) dies before the Annuitant, the amount payable will be equal to the Cash Value. Distribution requirements apply upon the death of any Owner. Generally, upon the Owner's death (who is not the Annuitant) the entire interest must be distributed in accordance with the Internal Revenue Code. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for a more detailed discussion of the distribution requirements under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Code</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an Owner (who is not the Annuitant) dies during the accumulation phase, the Cash Value will be paid to the person or entity first listed below who is alive or in existence on the date of that death:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any surviving Owner(s);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">primary beneficiary(ies);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">contingent beneficiary(ies); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deceased Owner's estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Deaths After the Annuity Commencement Date</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The amount payable, if any, on or after the Annuity Commencement Date depends on the annuity income option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You are not the Annuitant; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You die on or after the Annuity Commencement Date; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">the entire guaranteed amount in the Policy has not been paid;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">THEN:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">the remaining portion of such guaranteed amount in the Policy will continue to be distributed at least as rapidly as under the method of distribution being used as of the date of Your death.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You are the Owner and Annuitant; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You die after the Annuity Commencement Date; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">the Annuity Payment Option You selected did not have or no longer has a guaranteed period;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">THEN:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">no additional payments will be made.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Owner Death</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an Owner (who is not the Annuitant) dies during the accumulation phase, the Cash Value will be paid to the person or entity first listed below who is alive or in existence on the date of that death:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any surviving Owner(s);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">primary beneficiary(ies);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">contingent beneficiary(ies); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deceased Owner's estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Spousal Continuation</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the sole primary beneficiary is the spouse of the deceased, upon the Owner's or the Annuitant's death, the beneficiary may elect to continue the Policy in his or her own name. Upon the Annuitant's death if such election is made, the Policy Value will be adjusted upward (but not downward) to an amount equal to the death benefit amount determined upon such election and receipt of due proof of death of the Annuitant. Any excess of the death benefit amount over the Policy Value will be allocated to each applicable Investment Option in the ratio that the Policy Value in the Investment Option bears to the total Policy Value. The terms and conditions of the Policy that applied prior to the Annuitant's death will continue to apply, with certain exceptions described in the Policy. For purposes of the death benefit on the continued Policy, the death benefit is calculated in the same manner as it was prior to continuation on the date the spouse continues the Policy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Same Sex Relationships</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for more information concerning spousal continuation involving same sex spouses.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For these purposes, if the sole primary beneficiary of the Policy is a revocable grantor trust and the spouse of the Owner/Annuitant is the sole grantor, trustee, and beneficiary of the trust and the trust is using the spouse of the Owner/Annuitant's social security number at the time of claim, she or he shall be treated as the Owner/Annuitant's spouse. In those circumstances, the Owner/Annuitant's spouse will be treated as the beneficiary of the Policy for purposes of applying the spousal continuation provisions of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For these purposes, if the Owner is an individual retirement account within the meaning of IRC sections 408 or 408A and if the Annuitant's spouse is the sole primary beneficiary of the Annuitant's interest in such account, the Annuitant's spouse will be treated as the beneficiary of the Policy for purposes of applying the spousal continuation provisions of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Amount of Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Death benefit provisions may differ from state to state. The death benefit may be paid as a lump sum, as annuity payments or as otherwise permitted by the Company in accordance with applicable law. The amount of the death benefit depends on the guaranteed minimum death benefit option, if any, You choose when You buy the Policy. The “base Policy” death benefit will generally be the greatest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Policy Value on the date we receive the required information in good order at our Administrative Office;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Cash Value on the date we receive in good order the required information at our Administrative Office (this will be more than the Policy Value if there is a positive Excess Interest Adjustment that exceeds the surrender charge);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Fixed Account portion of the minimum required Cash Value plus the Separate Account portion of the Policy Value, on the date we receive the required information in good order at our Administrative Office; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the guaranteed minimum death benefit (if one was elected) on the date of death; plus premium payments, minus gross withdrawals, from the date of death to the date the death benefit is paid. Please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for illustrative examples regarding death benefit calculations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit terminates upon Annuitization.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Guaranteed Minimum Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The guaranteed minimum death benefit terminates upon Annuitization and there is a mandatory Annuity Commencement Date. On the policy application, You may choose the Annual Step-Up death benefit or the Return of Premium (age limitations may apply) for an additional fee. After the policy is issued, You cannot make an election and the death benefit cannot be changed.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The guaranteed minimum death benefit (unless you choose the Annual Step-Up or Return of Premium death benefit) is equal to your Policy Value as of the date due proof of death is provided.</span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Step-Up Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Under this option, on each Policy anniversary prior to Your 81st birthday, a new “stepped-up” death benefit is determined and becomes the guaranteed minimum death benefit for that Policy Year. This “step-up” death benefit is equal to:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the largest Policy Value on the Policy Date or on any Policy anniversary prior to the earlier of the Annuitant's date of death or the Annuitant's 81st birthday; plus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any premium payments since the date of any Policy anniversary with the largest Policy Value; minus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any adjusted withdrawals (please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">) since the date of the Policy anniversary with the largest Policy Value to the date of death; minus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawals from the date of death to the date the death benefit is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annual Step-Up Death Benefit is not available if You or the Annuitant is 76 or older on the Policy Date. There is an extra charge for this death benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">ANNUITY POLICY FEE TABLE AND EXPENSE EXAMPLES</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If You elected the Annual Step-Up Death Benefit, You must allocate 100% of Your Policy Value to one or more of the designated Investment Options approved for the Annual Step-Up Death Benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for a complete listing of available Investment Options. Requiring that You designate 100% of Your Policy Value to the designated Investment Options, some of which employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to use our own assets to pay amounts due under this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You may transfer amounts among the designated Investment Options; however, You cannot transfer any amount to any other Subaccount if You elect this death benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We have processes and procedures in place that will prevent allocation to a Subaccount that is not a designated Investment Option. These processes and procedures include restricting transfers requested by telephone and internet.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">optional</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> guaranteed minimum death benefit if You do not choose one when You purchase Your Policy.</span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Return of Premium Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Return of Premium Death Benefit is equal to:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">total premium payments; minus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any adjusted withdrawals (please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">) as of the date of death; minus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawals from the date of death to the date the death benefit is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">This benefit is not available if You or the Annuitant is 86 or older on the Policy Date. There is an extra charge for this death benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">ANNUITY POLICY FEE TABLE AND EXPENSE EXAMPLES</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If You elected the Return of Premium Death Benefit, You must allocate 100% of Your Policy Value to one or more of the designated Investment Options approved for the Return of Premium Death Benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for a complete listing of available designated options. Requiring that You designate 100% of Your Policy Value to the designated Investment Options, some of which employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to use our own assets to pay amounts due under this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You may transfer amounts among the designated Investment Options; however, You cannot transfer any amount to any other Subaccount if You elect this death benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We have processes and procedures in place that will prevent allocation to a Subaccount that is not a designated Investment Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">optional</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> guaranteed minimum death benefit if You do not choose one when You purchase Your Policy.</span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">The Guaranteed Minimum Death Benefit may vary for certain policies and may not be available for all policies, in all states, at all times or through all financial intermediaries. Once You elect a death benefit and Your Policy is issued, Your death benefit cannot be changed and You will not be impacted by a decision to discontinue offering any particular guaranteed minimum death benefit to new sales.</span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Adjusted Withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">When You request a withdrawal, Your guaranteed minimum death benefit will be reduced by an amount called the adjusted withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Under certain circumstances, the adjusted withdrawal may be more than the dollar amount of Your withdrawal request</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. This will generally be the case if the guaranteed minimum death benefit exceeds the Policy Value at the time of withdrawal. It is also possible that if a death benefit is paid after You have taken a withdrawal, then the total amount paid could be less than the total premium payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The formula used to calculate the adjusted withdrawal amount is: adjusted withdrawal = amount of the withdrawal x (the current Death Proceeds prior to the withdrawal / Policy Value prior to the withdrawal).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We have included a detailed explanation of this adjustment with examples in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. This is referred to as “adjusted withdrawal” in Your Policy. If You have a qualified Policy, minimum required distributions rules may require You to request a withdrawal.</span></div> </div> <div style="line-height:14.0pt;margin-top:14pt;text-align:left;"> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Guaranteed Living Withdrawal Benefit Riders</span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Top;width:517pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> rider identified below, which provides certain guaranteed benefits, the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company requires a certain percentage of Your Policy Value to be allocated to the Stable Account, with the remainder to be </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocated to the select Investment Options and flexible Investment Options. One or more of the select Investment Options and </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">flexible Investment Options may include a volatility control strategy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Volatility control strategies, in periods of high market </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">volatility, could limit Your participation in market gains; this may conflict with Your investment objectives by limiting </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Your ability to maximize potential growth of Your Policy Value and, in turn, the value of any guaranteed benefit that is tied </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">to investment performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Volatility control strategies are intended to help limit overall volatility and reduce the effects of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">significant market downturns during periods of high market volatility, providing Policy Owners with the opportunity for </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">smoother performance and better risk adjusted returns. Volatility control (and similar terms) can encompass a variety of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment strategies of different types and degrees; therefore, You should read the applicable annuity and underlying fund </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolio prospectuses carefully to understand how these investment strategies may affect Your Policy Value and rider benefits. The </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company’s requirement to invest in accordance with the required allocations, which may include volatility control strategies, may </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduce our costs and risks associated with this rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">You pay an additional fee for the rider benefits which, in part, pays for </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">protecting the rider benefit base from investment losses. Since the rider benefit base does not decrease as a result of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">investment losses, volatility control strategies might not provide meaningful additional benefit to You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> You should carefully </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">evaluate with Your financial professional whether to allocate to Subaccounts that invest in underlying fund portfolios with </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">volatility control strategies, taking into consideration the potential positive or negative impact that such strategy may have on Your </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment objectives, Your Policy Value and the benefits under the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> rider. If You determine </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that underlying fund portfolios with volatility control strategies are not consistent with Your investment objectives, other </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options are available under the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> rider that do not invest in underlying fund </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolios that utilize volatility control strategies.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Summary</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may elect to purchase the optional Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider which provides You with both a Guaranteed Lifetime Withdrawal Benefit and a Guaranteed Minimum Accumulation Benefit. The Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider is only available during the accumulation phase and requires that You allocate a certain percentage of Your Policy Value to the Stable Account and to select Investment Options and flexible Investment Options, some of which are designed to help manage our risk and support the guarantees under the rider. The maximum issue age may be lower if required by state law. If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider You cannot elect the Retirement Income Max </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2, Retirement Income Choice </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.7 or the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 riders. The tax rules for qualified policies may limit the value of this rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note: There are Investment Restrictions associated with this benefit that can limit participation in market gains. Withdrawals taken in excess of the prescribed limits (rider withdrawal amount) will reduce the amount of the benefit and may eliminate the benefit altogether, if the amount of the excess withdrawal exceeds the Policy Value at the time of the withdrawal. The fee for the rider will not be reduced for any investment losses to Policy Value and, in fact, may be increased if there are withdrawals taken in excess of the rider withdrawal amount. Withdrawals taken while the Policy Value is greater than zero are withdrawals of the Owner’s own money (not the Company’s). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please consult a qualified financial professional before electing the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider for a qualified Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please note: For policies issued in the state of New York, Please see </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for rider availability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: This rider may not be issued to or added to Inherited IRAs (whether a qualified stretch or a 10-year delay) or a nonqualified annuity under which death benefits are being distributed under a nonqualified stretch withdrawal option. The benefits under the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider are based on our claims-paying ability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">The Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">rider may vary for certain policies and may not be available for all policies, in all states, at all times or through all financial intermediaries. We may discontinue offering this benefit at any time for new sales, which includes new sales to existing policyowners. In some cases, a benefit not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a benefit, please contact Your financial intermediary or our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider, a certain percentage of Your Policy Value on the rider date must be allocated to the Stable Account, the select Investment Options and the flexible Investment Options, as specified in the applicable Rate Sheet Prospectus Supplement. Transfers to and from the Stable Account are not permitted. Withdrawals from the Stable Account are not permitted until all other Investment Options are depleted of value. Withdrawals from the flexible Investment Options and select Investment Options, will be deducted on a pro-rata basis from each Investment Option You have allocated to. If You do not wish to maintain the required allocation percentages for the Investment Options, the rider must be terminated, subject to the termination restrictions and requirement of the rider, prior to making any transfer. Additional detail regarding the required allocation is provided in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> - Required Allocations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section, below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should view the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider as a way to permit You to invest in variable Investment Options while still having Your Policy Value and liquidity protected to the extent provided by the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You do not have any protection under the Guaranteed Minimum Accumulation Benefit unless You hold the Policy with the rider until the end of the applicable waiting period (10 or 7 years).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The longer You wait to start making withdrawals under the benefit, the less time You have to benefit from the Guaranteed Lifetime Withdrawal Benefit due to the decreasing life expectancy as You age. On the other hand, the longer You wait to begin making withdrawals, the higher Your withdrawal percentage may be, and the more opportunities You will have to lock in a high withdrawal base. Withdrawals will decrease the guarantees provided by the Guaranteed Minimum Accumulation Benefit. You should carefully consider when to begin making withdrawals. There is a risk that You will not begin making withdrawals at the most financially beneficial time for You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">All Policy Value must be allocated to the select and flexible Investment Options and the Stable Account, subject to specified allocation percentages as provided in the Rate Sheet Prospectus Supplement. You should consult with Your financial advisor to assist You in determining whether these Investment Options and required allocations are suited for Your financial needs and risk tolerance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will begin paying the rider charge as of the date the rider takes effect, even if You do not begin taking withdrawals for many years, or ever. We will not refund the charges You have paid under the rider if You never choose to take withdrawals and/or if You never receive any payments under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We have designed this rider for You to take withdrawals each rider year that are less than or equal to the rider withdrawal amount. You should not purchase this rider if You plan to take withdrawals in excess of the rider withdrawal amount because such excess withdrawals may significantly reduce or eliminate the value of the guarantees provided by the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the Guaranteed Lifetime Withdrawal Benefit under this rider is accessed through regular withdrawals that do not exceed the rider withdrawal amount, the rider may not be appropriate for You if You do not foresee a need for liquidity and Your primary objective is to take the maximum advantage of the tax deferral aspect of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any withdrawal in any rider year that is in excess of the rider withdrawal amount is an excess withdrawal. The rider year begins on the rider date and thereafter on each rider anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An excess withdrawal will impact the withdrawal base on a greater than dollar-for-dollar basis when the Policy Value, after the rider withdrawal amount is withdrawn, is less than the rider withdrawal base and may eliminate the benefits. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon receiving due proof of death of the Annuitant (or the death of the surviving spouse if the joint option is elected), the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider terminates and all benefits thereunder cease.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may terminate the rider by providing Written Notice to us requesting termination during the 30 days following the fifth rider anniversary or every fifth rider anniversary thereafter. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section, below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If Your Policy Value reaches zero, the Company may require satisfactory evidence a person is alive if a payment is based on that person being alive. For example, a notarized letter may be provided as satisfactory evidence a person is living.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The tax rules for qualified policies may limit the value of this rider. Please consult a qualified financial professional before electing the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider for a qualified Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals up to the rider withdrawal amount are not subject to an Excess Interest Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Like all withdrawals, withdrawals up to the rider withdrawal amount, while this rider is in effect also:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your Policy Value by the amount of the withdrawal;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your base Policy death benefit and other benefits;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce the Guaranteed Minimum Accumulation Benefit;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to surrender charges or Excess Interest Adjustments if the withdrawal is greater than the Surrender Charge Free Amount;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to income taxes and federal tax penalties (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">); and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be limited or restricted under certain qualified policies. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Qualified Policies</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Optional Living Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Guaranteed Minimum Accumulation Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider, we will provide a guaranteed future value. This benefit is intended to provide a level of protection regardless of the performance of the variable Investment Options You select. The level of protection under the Guaranteed Minimum Accumulation Benefit may not be 100% of Your premium payments and is only in effect for the term of the elected option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Future Value</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. We guarantee that, on the guaranteed future value date (ten, or seven years after You elect the rider, depending on the waiting period elected), Your Policy Value will at least equal Your guaranteed future value. The guaranteed future value on the rider date (i.e., the date the rider is added to the Policy) is equal to the Policy Value multiplied by the protection level percentage of the elected waiting period. After the rider date (up to and including the guaranteed future value date) the guaranteed future value is equal to:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the guaranteed future value on the rider date; plus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a percentage of subsequent premium payments (as described below); multiplied by</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the protection level percentage; less</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">subsequent adjusted withdrawals (as described below).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Unless an optional reset is chosen, after the guaranteed future value date, the guaranteed future value equals zero and there will be no guaranteed future value adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Subsequent Premium Payments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The percentage of subsequent premium payments that will be added to the guaranteed future value is as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> </div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;margin-left:95.47pt;width:326.07pt; border-spacing: 0px;"> <tr style="height:16.5pt;"> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:61.92pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.84%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;"> </span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:133.57pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.49%;margin-right:4.49%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">10 Year</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:130.57pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.60%;margin-right:1.15%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">7 Year</span></div> </div> </div> </td> </tr> <tr style="height:30pt;"> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:61.92pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.84%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">During Rider</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Year</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:133.57pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.49%;margin-right:4.49%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Percent of subsequent premiums</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">added to guaranteed future value</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:130.57pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.60%;margin-right:1.15%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Percent of subsequent premiums</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">added to guaranteed future value</span></div> </div> </div> </td> </tr> <tr style="height:18pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:1pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:1pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">100%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:1pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">100%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">90%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">90%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">80%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">80%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">70%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">70%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">60%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">60%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">0%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"> </div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"> </div> </div> </div> </td> </tr> <tr style="height:14.5pt;"> <td style="padding-bottom:1.5pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">0%</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"> </div> </div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Future Value Adjusted Withdrawals</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If You take a withdrawal, even withdrawals under the Guaranteed Lifetime Withdrawal Benefit, it will reduce Your guaranteed future value. The amount of the reduction is referred to as the adjusted withdrawal amount, which will be equal to the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the guaranteed future value immediately prior to the withdrawal multiplied by the percentage reduction in the Policy Value resulting from the gross withdrawal; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the gross withdrawal amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(The gross withdrawal amount is the amount You request, plus any surrender charges or Excess Interest Adjustment that may be applicable.)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In other words, if Your Policy Value is greater than the guaranteed future value at the time You take a withdrawal, then Your guaranteed future value is reduced by the same amount we reduce Your Policy Value. However, if Your Policy Value is less than the guaranteed future value at the time You take a withdrawal, then Your guaranteed future value will be reduced by more than the amount by which we reduce Your Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Hypothetical Adjusted Withdrawals – Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to this prospectus for examples showing the effect of hypothetical withdrawals in more detail, including withdrawals that reduce the guaranteed future value by more than the amount of the gross withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Minimum Accumulation Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. After the waiting period (ten years or seven years after You elect the rider, depending on the waiting period elected), and on the guaranteed future value date, if the Policy Value is less than the guaranteed future value, we will calculate an amount equal to the difference between Your Policy Value (the Policy Value will then be subject to investment risk) and the guaranteed future value, and this amount will be added on the guaranteed future value date. This addition will not be considered premium and will not increase Your withdrawal base or any other Policy benefits. After the guaranteed future value date, the guaranteed future value will be zero, unless an optional reset is elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Assume You are age 65 and make a single premium payment of $100,000, the guaranteed future value is $100,000 and the protection level percentage is 100%. You do not take any withdrawals or add any additional premium payments. If, on the guaranteed future value date, Your Policy Value has declined to $90,000 because of negative investment performance, then we will add $10,000 ($100,000 x 100% - $90,000) to Your Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Reset</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. On each rider anniversary, up to and including the rider anniversary on or following the Annuitant’s (or the Annuitant’s spouse’s, if older and the joint life option is elected) 85</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> birthday You may elect to reset the guaranteed future value date and the guaranteed future value once each rider year. Upon optional reset, the waiting period originally elected (ten years or seven years) will begin from the most recent rider anniversary. The guaranteed future value will be set to equal the Policy Value multiplied by the protection level percentage as of the date the reset election is processed.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your request must be received, in a manner acceptable to us, no later than 30 days following the most recent rider anniversary. The optional reset does not require termination of the existing rider. The existing rider will continue with the same rider effective date and features.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time of an optional reset the protection level percentage may be changed, but will never be less than the minimum protection level percentage disclosed. Additionally, the rider fee percentage may be changed at the time of an optional reset, but the fee percentage will never be more than the maximum fee percentage in effect when the rider was elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The optional reset will only impact the Guaranteed Minimum Accumulation Benefit and does not impact the Guaranteed Lifetime Withdrawal Benefit or any other values of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You have the right to revoke an optional reset within 30 days following the date on which the optional reset was effective, if the rider fee percentage increases beyond the rider fee percentage immediately prior to the rider anniversary, or the protection level percentage decreases. If You revoke an optional reset, You must notify us in a manner acceptable to us, however, You will remain eligible for future optional resets. If an optional reset is revoked, the guaranteed future value date, guaranteed future value, rider fee percentages and protection level percentages will be reversed to the values and dates that were in effect for Your rider immediately prior to the election of the optional reset.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Assume You are age 65 and make a single premium payment of $100,000 on January 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;"> of the current year with a 10 year waiting period. The guaranteed future value date will be set to 10 years from that date and the guaranteed future value is $100,000 assuming a protection level percentage is 100%. On the first rider anniversary, Your Policy Value has increased to $110,000 and You choose an optional reset. This results in a new guaranteed future value date 10 years from the date of the optional reset and a new guaranteed future value of $110,000 assuming the protection level percentage remains at 100%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: You do not have any protection under the Guaranteed Minimum Accumulation Benefit unless You hold the Policy with the rider until the end of the applicable waiting period. If You think that You may terminate the Policy or elect to start receiving annuity payments (or if You must begin taking required minimum distributions) before the guaranteed future value date, electing the rider may not be in Your best interests.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Guaranteed Lifetime Withdrawal Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider, You can receive up to the rider withdrawal amount each rider year. Such rider withdrawal amounts will first be made as withdrawals from Your Policy Value (excluding the Stable Account until other Investment Options are depleted of value). If Your Policy Value goes to zero by other than an excess withdrawal, rider withdrawal amounts will continue as payments from us. Rider withdrawal amounts may begin the rider year immediately following the Annuitant’s (or the Annuitant’s spouse if younger and the joint life option is elected) attainment of the minimum benefit age, and may last until the Annuitant’s (or surviving spouse’s if joint life option is elected) death unless Your withdrawal base is reduced to zero because of an “excess withdrawal.”</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below for more information. A rider year begins on the rider date (the date the rider becomes effective) and thereafter on each anniversary of that date. The withdrawal percentage that is used to determine Your rider withdrawal amount and required allocations will be disclosed in a Rate Sheet Prospectus Supplement included with Your prospectus. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Of course, You can always withdraw an amount up to Your Cash Value pursuant to Your right under the Policy although withdrawals that are excess withdrawals will reduce Your withdrawal base and future GLWBs. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Rider Withdrawal Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can withdraw up to the rider withdrawal amount in any rider year (after attainment of the minimum benefit age) from Your Policy without causing an excess withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider withdrawal amount is zero if the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has not attained the minimum benefit age on the rider date and remains zero until the first day of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age. On the first day of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age the rider withdrawal amount is equal to the withdrawal base multiplied by the withdrawal percentage. See applicable Rate Sheet Prospectus Supplement for the applicable minimum benefit age and withdrawal percentages. Surrender charges may apply if Your rider withdrawal amount exceeds Your Surrender Charge Free Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">For qualified policies:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the plan participant (generally the Annuitant) reached their </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Required Beginning Date</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, the rider withdrawal amount for that rider year (and each subsequent rider year) is equal to the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the rider withdrawal amount described above; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">an amount equal to any minimum required distribution amount, if any. For riders added on the Policy Date, the minimum required distribution during the first rider year is based on the initial premium (initial premium could include premium from transfers received after the Policy effective date, but must be deemed initial premium). For riders added after the Policy Date, if the Policy to which the rider is attached was in force on December 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of the previous year, the minimum required distribution for the first rider year is calculated using the year-end Policy Value plus any actuarial present value from the previous year. For riders added after the Policy Date and the Policy to which the rider is attached was not in force on December 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of the previous year, the minimum required distribution for the first rider year is based on the Policy Value on the rider date. The minimum required distribution is calculated based on the rules established by the IRS. The minimum required distribution may only be used if all of the following are true:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.04pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:8.96pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Policy to which this rider is attached is a tax-qualified Policy for which the IRS minimum required distributions are required,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.84pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">b.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:8.16pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions do not start prior to the Annuitant’s Required Beginning Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">c.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:9pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:10.09pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">d.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:7.91pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based on age of the living Annuitant. The minimum required distributions cannot be based on the age of someone who is deceased,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:8.96pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:9.04pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based only on the Policy to which this rider is attached,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:7.74pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">f.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:10.26pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are only for the current rider year. Amounts carried over from past rider years are not considered, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.46pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:8.54pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an excess withdrawal is taken in the previous rider year, the minimum required distribution will not be used in calculating the rider withdrawal amount. If the minimum required distribution amount (determined as set forth above) exceeds the rider withdrawal amount, the excess will be treated as an excess under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If any of the above are not true, then the minimum required distribution is equal to zero and it is not available as a rider withdrawal amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Only amounts calculated as set forth above can be used as the rider withdrawal amount. If the minimum required distribution amount (determined as set forth above) exceeds the rider withdrawal amount, the excess will not be treated as an excess withdrawal under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If Your Policy Value reaches zero:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">by means other than an excess withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, then You cannot make premium payments and all other Policy features, benefits and guarantees (except those provided by this rider) are terminated. If Your Policy Value reaches zero by means other than an excess withdrawal, and the rider remains in force, we will, unless otherwise instructed, make payments using the current payment instructions on file with us that are equal to the rider withdrawal amount divided by the frequency of payments. If the Annuitant (or younger of Annuitant or Annuitant’s spouse if the joint option is elected) has attained the minimum benefit age and a systematic payout option is not active at the time the Policy Value equals zero, a payment will be established. Unless instructed otherwise, the default frequency will be monthly, unless the amount does not meet the minimum systematic payout requirements in Your Policy. If that occurs, we reserve the right to change the frequency and amount in order to meet the minimum systematic payout requirements. If the minimum benefit age has not been attained, payments will begin on the rider anniversary following the attainment of the minimum benefit age. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be allowed. Furthermore, any remaining minimum required Cash Value will be paid on the later of the Annuitant’s or the Annuitant’s spouse’s death.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">due to an excess withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, then Your Policy will terminate resulting in the termination of this rider. An excess withdrawal that does not cause Your Policy Value to equal zero will not terminate the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the rider is added prior to the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) attaining the minimum benefit age, the rider withdrawal amount will be zero until the beginning of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age, however, You will still be charged a rider fee upon electing the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any amount withdrawn in a rider year (including any surrender charge or Excess Interest Adjustment) in excess of the rider withdrawal amount is an excess withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider year begins on the rider date and thereafter on each rider anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You cannot carry over any portion of Your rider withdrawal amount that is not withdrawn during a rider year for withdrawal in a future rider year. This means that if You do not take the entire rider withdrawal amount during a rider year, You cannot take more than the rider withdrawal amount in the next rider year and maintain the riders’ guarantees.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not refund charges that have been paid up to the point of terminating the Policy or receiving annuity payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess withdrawals may cause You to lose the benefit of the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The select and flexible Investment Options may be changed by us in the future. Any changes to investment allocation requirements will not affect existing Policy Owners with an active rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals under the Guaranteed Lifetime Withdrawal Benefit also:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your Policy Value;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce the guaranteed future value;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your death benefit and other benefits;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to surrender charges or Excess Interest Adjustments if the withdrawal is greater than the Surrender Charge Free Amount;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to income taxes and federal tax penalties (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please note: For policies issued in the state of New York, Please see </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for rider availability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Rate Sheet Prospectus Supplement</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages are disclosed in the Rate Sheet Prospectus Supplement. We periodically issue new Rate Sheet Prospectus Supplements that may reflect different rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages than the previous Rate Sheet Prospectus Supplements. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages set forth in the Rate Sheet Prospectus Supplement may not be superseded or changed until a new Rate Sheet Prospectus Supplement is filed at least 10 Business Days prior to the effective date of the new Rate Sheet Prospectus Supplement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued as part of the new Policy application process</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order to receive the applicable rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages, Your application must be signed while the Rate Sheet Prospectus Supplement is effective, we must receive Your completed application within 7 calendar days from the date that the supplement is no longer effective, and the Policy must be funded within 60 calendar days from the date that the supplement is no longer effective. If these conditions are not met, Your application will be considered not in good order and additional paperwork may be required to issue the Policy with the applicable rates in effect at that time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued to existing Policy Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order to receive the applicable rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages age, Your rider election form must be signed and received in good order while the Rate Sheet Prospectus Supplement is in effect. If Your rider election form is received in good order after the Rate Sheet Prospectus Supplement is no longer in effect, You will receive the rider terms that are in effect on the date Your rider election form is received in good order. Election forms must be received in good order while the New York Stock Exchange is open for regular trading to get same-day pricing of the transaction. Election forms received in good order on non-Business Days or after our close of business will get next-day pricing.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Percentage</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the withdrawal percentage to calculate the rider withdrawal amount. The withdrawal percentage is determined by the Annuitant’s age (or the Annuitant's spouse's age if younger and the joint life option is elected) at the time of the first withdrawal taken on or after the rider anniversary immediately following the Annuitant’s (or the Annuitant's spouse's if younger and the joint life option is elected) attainment of the minimum benefit age.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal percentage is disclosed in the Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Once established, the withdrawal percentage will not change except in certain instances involving automatic step-ups. Withdrawal percentages will change when an automatic step-up occurs and You had crossed into another age band prior to the automatic step-up, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the withdrawal base to calculate the rider withdrawal amount and the rider fee. The withdrawal base on the rider date is the Policy Value. During any rider year, the withdrawal base is equal to the withdrawal base on the rider date or most recent rider anniversary, plus subsequent premium payments, less subsequent withdrawal base adjustments due to excess withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the withdrawal base will equal the greatest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1. the current withdrawal base;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2. the Policy Value on the rider anniversary; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3. the highest Policy Value in the previous year based on the valuation frequency. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Automatic Step-Up below).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Item 3 above will be zero if there have been any excess withdrawals in the current rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> which illustrates the hypothetical example of the withdrawal base calculation.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We determine the withdrawal base solely to calculate the rider withdrawal amount and rider fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your withdrawal base is not a Cash Value, a surrender value, or a death benefit. It is not available for withdrawal, it is not a minimum return for any Subaccount, and it is not a guarantee of Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the withdrawal base is generally equal to the Policy Value on the rider date, the rider withdrawal amount may be lower if You delay electing the rider and the Policy Value decreases before You elect the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary the rider will receive an automatic step-up if the withdrawal base is set equal to item 2 or 3 from </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section above. If neither value is greater than the current withdrawal base no automatic step-up will occur. If the withdrawal percentage has been established due to a previous withdrawal, the withdrawal percentage (as indicated in the Rate Sheet Prospectus Supplement) will increase if You have crossed into another age band prior to the automatic step-up. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC). Please note, the increase is part of the automatic step-up and if no automatic step-up occurs then there will be no withdrawal percentage increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the rider fee percentage may increase (or decrease) at the time of any automatic step-up. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up Opt Out</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Each time an automatic step-up results in a rider fee percentage increase, You have the option to reject the automatic step-up and reinstate the withdrawal base, withdrawal percentage, and rider fee percentage to their respective amounts immediately before the automatic step-up, provided that You do so within 30 days after the rider anniversary on which the automatic step-up occurred. Changes as a result of the automatic step-up feature will be reversed. We must receive Your rejection (each time You elect to opt out), in good order, at our Administrative Office within the same 30 day period after the rider anniversary on which the automatic step-up occurred. You are not subject to fee increases for any automatic step-up that You opted out of. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Opting out of one step-up does not operate as an opt-out of any future step-ups</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cumulative gross withdrawals up to the rider withdrawal amount in any rider year will not reduce the withdrawal base. Any amount of gross withdrawals in excess of the rider withdrawal amount in any rider year (“excess withdrawals”) will reduce the withdrawal base, however, by the greater of the dollar amount of the excess withdrawal (if the Policy Value is greater than the withdrawal base) or a pro rata amount (in proportion to the reduction in the Policy Value when the Policy Value is less than the withdrawal base), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">possibly to zero</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If an excess withdrawal reduces the Policy Value to zero, this rider will terminate. Withdrawal base adjustments occur immediately following excess withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail, including an excess withdrawal that reduces the withdrawal base by a pro rata amount. The effect of an excess withdrawal is amplified if the Policy Value is less than the withdrawal base.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: You retain all responsibility for monitoring excess withdrawals. If You take regular or scheduled withdrawals please pay particular attention to any excess withdrawal because Your regular or scheduled withdrawals may thereafter all be excess withdrawals that reduce or eliminate Your benefit on an accelerated basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;text-decoration:underline;">Example</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">. Assume You are the Owner and Annuitant and You make a single premium payment of $100,000 when You are 66 years old. Further assume that You do not take any withdrawals or add any additional premium payments, and no automatic step-ups occurred, but that after six years Your Policy Value has declined to $90,000 solely because of negative investment performance. You could receive up to $6,000 each rider year for the rest of Your life based on an assumed withdrawal percentage of 6.0% for the single life option multiplied by an assumed withdrawal base of $100,000 and assuming that:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You take Your first withdrawal when You are age 72;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You do not withdraw more than the rider withdrawal amount in any one year; and;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">there are no future automatic step-ups.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;text-decoration:underline;">Example continued</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">. Assume the same facts as above, but You withdraw $10,000 when You are 72 years old. That excess withdrawal decreases Your future rider withdrawal amount to $5,714.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the withdrawal ($10,000) is in excess of the rider withdrawal amount ($6,000) it impacts the withdrawal base on a greater than dollar-for-dollar basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Adjusted Withdrawal = Excess Withdrawal Amount * Withdrawal Base prior to the withdrawal / Policy Value after the Rider Withdrawal Amount but prior to the Excess Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess withdrawal amount $10,000 - $6,000 = $4,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawal base = $100,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Value after the rider withdrawal amount but prior to the excess withdrawal amount $90,000 - $6,000 = $84,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Adjusted withdrawal = $4,000 * $100,000 / $84,000 = $4,761.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">New withdrawal base $100,000 - $4,761.90 = $95,238.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">New rider withdrawal amount $95,238.10 * 6% = $5,714.29</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Required Allocations</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect this rider, a certain percentage of Your Policy Value on the rider date must be allocated to the Stable Account, the select Investment Options and the flexible Investment Options, in accordance with the percentages specified in the Required Allocations for Premium Payments table contained in the Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). After the rider date, the allocation of all subsequent premium payments must also comply with the required allocations for premium payments table contained in the Rate Sheet Prospectus Supplement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition, if You elect this rider, any transfers to and from the select Investment Options and the flexible Investment Options must comply with the required allocation percentages for rebalancing specified in the Rate Sheet Prospectus Supplement in effect at the time You elect this rider. Any transfers to and from the select Investment Options and flexible Investment Options will be validated using the prior day’s Policy Values to ensure compliance with the required allocation percentages for rebalancing at the time of the request. Transfer requests that do not comply with the required allocation percentages for rebalancing will be deemed not in good order. Changes in Policy Values due to market movements on other dates will not be treated as a violation of the required allocations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transfers to and from the Stable Account (described below) are not permitted. Withdrawals from the Stable Account are not permitted until all other Investment Options are depleted of value. Withdrawals from the flexible Investment Options and select Investment Options will be deducted on a pro-rata basis. If You do not wish to maintain the applicable required allocation percentages, the rider must be terminated, subject to the rider termination restrictions and requirements, prior to making any transfer. The rider will terminate on the date we receive Written Notice from You requesting termination if such notice is received by us during the 30 days following the fifth rider anniversary or any fifth rider anniversary thereafter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Enrollment in dollar cost averaging is not available while this rider is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">The Stable Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Stable Account is a Fixed Account option under Your Policy. Premium payments allocated and amounts transferred to the Stable Account become part of our general account. Interests in the general account have not been registered under the 1933 Act, nor is the general account registered as an investment company under the 1940 Act. Accordingly, neither the general account nor any interests therein are generally subject to the provisions of the 1933 or 1940 Acts. Disclosures relating to interests in the general account are, however, subject to certain generally applicable provisions of the federal securities laws relating to the accuracy of statements made in a registration statement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allocations applied to the Stable Account will be credited interest based on a fixed rate. The interest rates will be applied in increments of at least one year measured from each premium payment date and will automatically renew and remain in the Stable Account. The interest credited to the Stable Account will not be less than the guaranteed minimum effective annual interest rate shown on Your rider pages (the “guaranteed minimum”). We determine credited rates, which are guaranteed for at least one year, in our sole discretion. You bear the risk that we will not credit interest greater than the guaranteed minimum.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals, surrenders, or transfers (upon termination) from the Stable Account will not be subject to an Excess Interest Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon termination of the rider, all amounts in the Stable Account will be transferred to the money market Subaccount available under Your Policy and no additional premium payments will be allowed into the Stable Account. Owners are permitted to provide instructions as to the allocation of the Stable Account proceeds contained in the money market Subaccount to one or more Subaccounts, but such instructions will not be effective prior to the Business Day after rider termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We guarantee that upon full surrender Your Cash Value attributable to the Fixed Account will not be less than the amount required by the applicable state nonforfeiture law at the time the Policy is issued.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Select and Flexible Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. As described above, if You elect this rider, You must allocate a certain percentage of Your premium payments and Policy Value to the available flexible Investment Options and select Investment Options. A complete listing of Investment Options designated as flexible Investment Options and select Investment Options appears in the “Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 Investment Options”. You will be notified if there are changes made to the Investment Options within the designated group. Requiring that You allocate a certain percentage of Your </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">premium payments and Policy Value to the designated Investment Options, some of which invest in underlying fund portfolios that employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to use our own assets to pay amounts due under this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Rebalancing</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. While this rider is effective, quarterly rebalancing is required and will take place at the end of each rider quarter on the same date Your rider fee is deducted. If the day rebalancing takes place is not a Business Day, the value of the Accumulation Units redeemed or purchased due to rebalancing will be determined as of the next Business Day. We will automatically transfer amounts among Subaccounts according to the most recent rebalancing allocation instructions on file that comply with the required allocations for rebalancing. On the rider date, Your rebalancing allocation instructions will be established using a ratio of Your current investment allocation instructions for new premium payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will be notified in writing that the required rebalance has been set up, and what the calculated rebalance allocation percentages are prior to the first quarter rebalancing. You may request changes to Your rebalancing allocation instructions before the prior instructions are implemented if we receive notice of Your request in good order prior to the close of the New York Stock Exchange on the day the rebalance is processed. Your rebalancing allocation instructions will be established using a ratio of Your current investment allocation instruction for new premium payments. You may request changes to Your rebalancing allocation instructions while this rider remains effective as long as they comply with the required allocations for rebalancing. Rebalancing will not cease upon the request of any transfer.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Guaranteed Lifetime Withdrawal Benefit - Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 and Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> - Rebalancing Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> which illustrates the initial calculation of rebalancing allocation percentages as well as the rebalancing process.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You do not wish to maintain the required allocations, the rider must be terminated, subject to the rider termination restrictions and requirements, prior to making any transfer. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> Rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, below.)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the list of designated flexible and select investment groups at any time. Any changes to investment allocation requirements will not affect Policy Owners with an active rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an underlying fund portfolio informs us that a portfolio will be liquidated or reorganized, we can eliminate the corresponding select or flexible Investment Option. If this occurs, You will be required to reallocate values in the affected Investment Option to other flexible and select Investment Options in order to meet the allocation requirements. We will provide notice to You if a select or flexible Investment Option will be eliminated and reallocation is required. If You do not provide us with new instructions in the time specified in our notice, we will move Your money in the affected option to the money market Subaccount to the extent permitted by applicable law.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Joint Life Option</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider, then You can also elect to postpone termination of the rider until the later of the Annuitant or Annuitant’s spouse’s death (only if the Annuitant’s spouse is eligible to and elects to continue the Policy, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Tax Status of a Nonqualified Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> - Distribution Requirements). If You elect the Joint Life option, then the withdrawal percentage used to calculate the rider withdrawal amount may be lower than under the single life option. The withdrawal percentage that is used to determine Your rider withdrawal amount will be disclosed in a Rate Sheet Prospectus Supplement included with Your prospectus. This option may not be permitted in the case of certain non-natural Owners. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note: If You elect this option:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal percentage for each “age at the time of the first withdrawal” may be lower if You elect the joint life option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee may be greater if You elect the joint life option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant's spouse (or in certain instances a non-natural entity acting for the benefit of the Annuitant's spouse) must be either a joint Owner along with the Annuitant or the sole primary beneficiary (and there is no joint Owner). (Please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Spousal Continuation</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for more detail regarding Annuitant's spouse).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A former spouse of the Annuitant cannot continue to keep the Policy in force if no longer married to the Annuitant at the time of the Annuitant's death. In that event, the rider will terminate and no additional withdrawals under the rider will be permitted.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant’s spouse for purposes of this rider cannot be changed to a new spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider withdrawal percentage is based on the age of the younger of the Annuitant and Annuitant’s spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider’s issue ages may vary if You elect this option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> Fees</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee is deducted at the end of each successive rider quarter, on the same day of the month as the rider date. If a day does not exist in a given month, the first day of the following month will be used. If a rider fee is deducted from a Subaccount on a day which is not a Business Day, the value of Accumulation Units redeemed will be determined as of the next Business Day. The rider fee is calculated and stored at issue and at each subsequent rider quarter for the upcoming quarter. The rider fee will be adjusted for additional premium payments, excess withdrawals and optional resets of the Guaranteed Future Value made during the rider quarter. The fee may also be adjusted for non-excess withdrawals made during the rider quarter. It will be deducted automatically from the flexible Investment Options and the select Investment Options on a pro rata basis at the end of each rider quarter. After those Investment Options are depleted of value, the rider fee will be deducted from the Stable Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentage may change after the first rider anniversary due to an automatic step-up or election of the optional reset. Your rider fee may increase (or decrease) at the time of any automatic step-up or optional reset. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Reset</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> sections. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider. The current rider fee percentage will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued as part of the new Policy application process</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order for the rider percentage fee disclosed in the applicable Rate Sheet Prospectus supplement to apply, Your application must be signed on or after the date set forth in the applicable Rate Sheet Prospectus Supplement and must be received in good order within 7 calendar days and funded within 60 calendar days from the date the Rate Sheet Prospectus Supplement is no longer in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued to existing Policy Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order for the rider fee percentage disclosed in the application Rate Sheet Prospectus Supplement to apply, Your rider election form must be signed and received while the applicable Rate Sheet Prospectus Supplement is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should not elect this rider without first obtaining the applicable Rate Sheet Prospectus Supplement. You can contact us at (800)525-6205 to receive a Rate Sheet Prospectus Supplement applicable to You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On an annual basis, in general terms, the rider fee is the rider fee percentage multiplied by the rider fee basis. The rider fee basis is the greater of the withdrawal base and the guaranteed future value. Specifically, the quarterly fee is calculated by multiplying (A) by (B) by (C), where:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(A)</span></div> <div style="float:left;line-height:12pt;margin-left:23.37pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee basis;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.45pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(B)</span></div> <div style="float:left;line-height:12pt;margin-left:23.55pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee percentage; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:13.36pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(C)</span></div> <div style="float:left;line-height:12pt;margin-left:22.64pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the number of days in the rider quarter divided by the total number of days in the applicable rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following example uses these assumed values: Rider Fee Basis = Maximum of Withdrawal Base of $100,000 and Guaranteed Future Value of $105,000; Rider Fee percentage = 1.40%; and 91 total days in the rider quarter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation at rider issue for first quarter rider fee. The rider fee is:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 105,000*0.0140*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 1,470*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $366.49</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A portion of the rider fee will be assessed upon full surrender of the Policy or other termination of the rider. The quarterly fee will be adjusted based on the number of days remaining until the end of the next rider quarter and ending on the date of termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the rider fee percentage may increase (or decrease) at the time of an automatic step-up or at election of an optional reset. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Reset</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider. The current rider fee will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). Please contact Your financial intermediary or call our Administrative Office to determine whether the Rate Sheet Prospectus Supplement has been amended.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each time an optional reset results in a rider fee percentage increase, You will have the option to reject the automatic step-up and reinstate the withdrawal base, withdrawal percentages and rider fee percentage to their respective amounts immediately before the automatic step-up (adjusted for any subsequent premium payments or withdrawals), provided that You do so within 30 calendar days after the rider anniversary on which the automatic step-up occurred. We must receive Your rejection, in good order, at our Administrative Office within the 30 day period after the rider anniversary on which the automatic step-up occurred.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each time an automatic step-up results in a rider fee percentage increase beyond the rider fee percentage immediately prior to the rider anniversary, You will have the option to revoke the optional reset and reinstate the guaranteed future value date, guaranteed future value, rider fee percentages and protection level percentages to their respective values and dates that were in effect immediately prior to the election of the optional reset, provided You do so within 30 days following the date on which the optional reset was effective. We must receive Your revocation, in a manner acceptable to us, within the 30 day period following the date on which the optional reset was effective.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note regarding the rider fee:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the rider fee is a percentage of the rider fee basis and the rider fee basis is the greater of the withdrawal base and the guaranteed future value, the rider fee could be a much higher percentage of Your Policy Value, particularly in the event that Your Policy Value decreases significantly.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the rider fee is a percentage of the rider fee basis, and the rider fee basis is the greater of the withdrawal basis and the guaranteed future value, the amount of the rider fee we deduct will increase if the withdrawal base or guaranteed future value increases (although the percentage(s) may remain the same).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Rider Fee Adjustment for Premium Payments, Excess Withdrawals and Optional Resets</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. A rider fee adjustment will be calculated for subsequent premium payments and excess withdrawals and optional resets of the guaranteed future value made during the rider quarter, because these events will change the withdrawal base and guaranteed future value. The rider fee adjustment may be positive or negative and will be added to or subtracted from the rider fee to be collected. The fee may be adjusted for non-excess withdrawals made during the rider quarter.</span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee adjustment is calculated by multiplying (A) by (B) by (C) where:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(A)</span></div> <div style="float:left;line-height:12pt;margin-left:23.37pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee basis change (i.e. rider fee basis after the transaction minus the rider fee basis before the transaction);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.45pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(B)</span></div> <div style="float:left;line-height:12pt;margin-left:23.55pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee percentage; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:13.36pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(C)</span></div> <div style="float:left;line-height:12pt;margin-left:22.64pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the number of days remaining in the rider quarter divided by the total number of days in the applicable rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following example uses these assumed values: All initial values as in Example 1; Subsequent Premium = $10,000; and 20 remaining days in the rider quarter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for first quarter rider fee adjustment for a subsequent premium. The fee adjustment is:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 10,000*0.0140*(20/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 140*(20/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $7.67</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Total fee assessed at the end of the first rider quarter (assuming no further rider fee adjustments):</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 366.49 + 7.627</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $374.16</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following two examples use assumed fees and values. The assumed rider year is not a leap year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for second quarter fee at beginning of second rider quarter assuming rider fee basis of $115,000 (maximum of Withdrawal Base of $110,000 and Guaranteed Future Value of $115,000) and a fee percentage of 1.40%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 115,000*0.0140*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 1,610*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $401.40</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 4</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for second quarter fee and an excess withdrawal that results in a pro-rata reduction in the withdrawal base and guaranteed future value. Assuming beginning values as in example 3, plus adjustment for gross withdrawal of $10,000 taken with 40 days remaining in the second rider quarter. Assumes withdrawal percentage of 5% of Policy Value of $93,500 prior to the transaction and change in rider fee basis as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Withdrawal Base Adjustment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Rider Withdrawal Amount (RWA) = Withdrawal Base * Withdrawal Percentage = $110,000 * .05 = $5,500 <br/>Excess Withdrawal = Difference between assumed withdrawal amount and RWA = $10,000 - $5,500 = $4,500 <br/>Withdrawal Base Adjustment = Maximum of Excess Withdrawal and Pro-Rata Withdrawal Amount (Excess Withdrawal * Withdrawal Base prior to withdrawal/Policy Value after RWA has been withdrawn but before excess withdrawal) = Maximum of $4,500 * $110,000/ ($93,500 - $5,500)) = Maximum of $4,500 and $5,625 = $5,625 <br/>The new withdrawal base = $110,000 - $5,625 = $104,375</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Future Value Adjustment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Guaranteed Future Value Adjustment = Maximum of Gross Withdrawal amount and Pro-Rata Withdrawal Amount (Gross Withdrawal * Guaranteed Future Value prior to withdrawal/Policy Value prior to withdrawal) = Maximum of $10,000 * $115,000/ $93,500) = Maximum of $10,000 and $12,299.47 = $12,299.47 <br/>The new guaranteed future value = $115,000 - $12,299.47 = $102,700.53</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Rider Fee Basis after the transaction = Maximum of the Withdrawal Base after the transaction ($104,375) or the Guaranteed Future Value after the transaction ($102,700.53) = $104,375, minus maximum of the Withdrawal Base before the transaction ($110,000) or the Guaranteed Future Value before the transaction ($115,000 ($104,375 - $115,000) = $-10,625.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fee adjustment as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-10,625 * 0.0140 * (40/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-148.75 * (40/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-16.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The total fee assessed at the end of the second rider quarter (assuming no further rider fee adjustments):</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $401.40 - $16.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $385.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> Issue Requirements</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not issue the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider if:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant is age 86 or older (lower if required by state law); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in New York, the Annuitant is younger than the applicable minimum age; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant is not an Owner (except in the case of non-natural Owners); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">there are more than two Owners.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Furthermore, if the joint life option is elected, we will not issue the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider if:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is 86 or older (lower if required by state law); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in New York, the Annuitant’s spouse is younger than the applicable minimum age; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is not a joint Owner along with the Annuitant; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is not the sole primary beneficiary (and there is no joint Owner).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The use of joint life option may not be permitted in the case of certain non-natural Owners.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date we receive Written Notice from You requesting termination of the rider if such notice is received before midnight of the 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> calendar day after You receive the rider;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date we receive Written Notice from You in good order requesting termination of the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">rider if such notice is received by us during the 30 days following the fifth rider anniversary and every fifth rider anniversary thereafter;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date of Annuitization (however, if You have reached Your maximum Annuity Commencement Date You may choose an Annuitization option which guarantees You lifetime payments in an amount equal to Your rider withdrawal amount);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">on or after the Policy Value reaching zero, the date of the Annuitant’s death (or if the joint life option is elected, the later of the Annuitant’s or Annuitant’s spouse’s death);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date the Policy to which this rider is attached changes ownership or assignment which violates the Owner and Annuitant relationship requirements contained in the rider;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date an excess withdrawal reduces Your Policy Value to zero;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">prior to the Policy Value reaching zero, the date on which we receive in good order, required information to process a death claim for the Annuitant (or if the joint life option is elected, the later of the Annuitant’s or Annuitant’s spouse’s death); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">termination of Your Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This rider terminates upon Annuitization and there is a maximum Annuity Commencement Date at which time Your Policy will be Annuitized according to its terms. However, if You have reached Your maximum Annuity Commencement Date, we will allow You to Annuitize Your Policy and elect to receive lifetime annuity payments which are at least equal to Your rider withdrawal amount. Please contact us for more information concerning Your options.</span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Top;width:517pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You elect the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider identified below, which provides certain guaranteed benefits, the Company </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">requires a certain percentage of Your Policy Value to be allocated to the Stable Account, with the remainder to be allocated to the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">select Investment Options and flexible Investment Options. One or more of the select Investment Options and flexible Investment </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options may include a volatility control strategy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Volatility control strategies, in periods of high market volatility, could limit </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Your participation in market gains; this may conflict with Your investment objectives by limiting Your ability to maximize </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">potential growth of Your Policy Value and, in turn, the value of any guaranteed benefit that is tied to investment </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Volatility control strategies are intended to help limit overall volatility and reduce the effects of significant market </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">downturns during periods of high market volatility, providing Policy Owners with the opportunity for smoother performance and </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">better risk adjusted returns. Volatility control (and similar terms) can encompass a variety of investment strategies of different </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">types and degrees; therefore, You should read the applicable annuity and underlying fund portfolio prospectuses carefully to </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">understand how these investment strategies may affect Your Policy Value and rider benefits. The Company’s requirement to invest </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in accordance with the required allocations, which may include volatility control strategies, may reduce our costs and risks </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">associated with this rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">You pay an additional fee for the rider benefits which, in part, pay for protecting the rider benefit </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">base from investment losses. Since the rider benefit base does not decrease as a result of investment losses, volatility control </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">strategies might not provide meaningful additional benefit to You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> You should carefully evaluate with Your financial </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">professional whether to allocate to Subaccounts that invest in underlying fund portfolios with volatility control strategies, taking </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">into consideration the potential positive or negative impact that such strategy may have on Your investment objectives, Your Policy </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value and the benefits under the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider. If You determine that underlying fund portfolios with </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">volatility control strategies are not consistent with Your investment objectives, other Investment Options are available under the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider that do not invest in underlying fund portfolios that utilize volatility control strategies.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Summary</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may elect to purchase the optional Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider, which provides You with: (1) a Guaranteed Lifetime Withdrawal Benefit; and (2) an opportunity for increases in the rider withdrawal amount. This rider is available during the accumulation phase, and requires that You allocate a certain percentage of Your Policy Value to the Stable Account and to select Investment Options and flexible Investment Options some of which are designed to help manage our risk and support the guarantees under the rider. If you elected the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider You cannot elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, Retirement Income Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.7 or Retirement Income Max</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 riders. The tax rules for qualified policies may limit the value of this rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note: There are Investment Restrictions associated with this benefit that can limit participation in market gains. Withdrawals taken in excess of the prescribed limits (rider withdrawal amount) will reduce the amount of the benefit and may eliminate the benefit altogether, if the amount of the excess withdrawal exceeds the Policy Value at the time of the withdrawal. The fee for the rider will not be reduced for any investment losses to Policy Value and, in fact, may be increased if there are withdrawals taken in excess of the rider withdrawal amount. Withdrawals taken while the Policy Value is greater than zero are withdrawals of the Owner’s own money (not the Company’s). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please consult a qualified financial professional before electing the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider for a qualified Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This rider may not be issued or added to Inherited IRAs (whether a qualified stretch or a 10-year delay) or a nonqualified annuity under which death benefits are being distributed under a nonqualified stretch withdrawal option. The benefits under the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider are based on our claims-paying ability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">The Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;"> 1.2 rider may vary for certain policies and may not be available for all policies, in all states, at all times or through all financial intermediaries. We may discontinue offering this benefit at any time for new sales, which includes new sales to existing policyowners. In some cases, a benefit not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a benefit, please contact Your financial intermediary or our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider, You can receive up to the rider withdrawal amount each rider year. Such rider withdrawal amounts will first be made as withdrawals from Your Policy Value (excluding the Stable Account until other Investment Options are depleted of value). If Your Policy Value goes to zero by means other than an excess withdrawal, rider withdrawal amounts will continue as payments from us. Rider withdrawal amounts may begin the rider year immediately following the Annuitant’s (or Annuitant’s spouse if younger and the joint life option is elected) attainment of the minimum benefit age, and may last until the Annuitant’s (or surviving spouse’s if joint life option is elected) death unless Your withdrawal base is reduced to zero because of an “excess withdrawal.” See Withdrawal Base Adjustments section below for more information. A rider year begins on the rider date (the date the rider becomes effective) and thereafter on each anniversary of that date. The withdrawal percentage that is used to determine Your rider withdrawal amount and required allocations will be disclosed in a Rate Sheet Prospectus Supplement included with Your prospectus. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Of course, You can always withdraw an amount up to Your Cash Value pursuant to Your rights under the Policy although withdrawals that are excess withdrawals will reduce Your withdrawal base and future GLWBs. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals - Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider, a certain percentage of Your Policy Value on the rider date must be allocated to the Stable Account, the select Investment Options and the flexible Investment Options, as specified in the applicable Rate Sheet Prospectus Supplement. Transfers to and from the Stable Account are not permitted. Withdrawals from the Stable Account are not permitted until all other Investment Options are depleted of value. Withdrawals from the flexible Investment Options and select Investment Options will be deducted on a pro-rata basis from each Investment Option You have allocated to. If You do not wish to maintain the required allocation percentages for the Investment Options, the rider must be terminated, subject to the termination restrictions and requirements of the rider, prior to making any transfer. Additional detail regarding the required allocations is provided in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Required Allocations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section, below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will begin paying the rider charge as of the rider date, even if You do not begin taking withdrawals for many years. We will not refund the charges You have paid under the rider if You never choose to take withdrawals and/or if You never receive any payments under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We have designed this rider to allow for withdrawals from Your Policy Value each rider year that are less than or equal to the rider withdrawal amount. You should not purchase this rider if You plan to take withdrawals in excess of the rider withdrawal amount, because such excess withdrawals may significantly reduce or eliminate the value of the guarantee provided by the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The longer You wait to start making withdrawals under the benefit, the less time You have to benefit from the guarantee because of decreasing life expectancy as You age. On the other hand, the longer You wait to begin making withdrawals, the higher Your withdrawal percentage may be, and the more opportunities You will have to lock in a higher withdrawal base. You should carefully consider when to begin making withdrawals. There is a risk that You will not begin making withdrawals at the most financially beneficial time for You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the Guaranteed Lifetime Withdrawal Benefit under this rider is accessed through regular withdrawals that do not exceed the rider withdrawal amount, the rider may not be appropriate for You if You do not foresee a need for liquidity and Your primary objective is to take maximum advantage of the tax deferral aspect of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">All Policy Value must be allocated to the select and flexible Investment Options and the Stable Account, subject to specified allocation percentages as provided in the Rate Sheet Prospectus Supplement. You should consult with Your financial professional to assist You in determining whether these Investment Options and required allocations are suited for Your financial needs and risk tolerance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any withdrawal in any rider year that is in excess of the rider withdrawal amount (including any surrender charge or Excess Interest Adjustment) is an excess withdrawal. The rider year begins on the rider date and thereafter on each rider anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An excess withdrawal will impact the withdrawal base on a greater than dollar-for-dollar basis when the Policy Value, after the rider withdrawal amount is withdrawn, is less than the rider withdrawal base and may eliminate the benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon receiving due proof of death of the Annuitant (or the death of the surviving spouse if the joint option is elected), the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider terminates and all benefits thereunder cease.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may terminate the rider by providing Written Notice to us requesting termination during the 30 days following the fifth rider anniversary or every fifth rider anniversary thereafter. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section, below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If Your Policy Value reaches zero, the Company may require satisfactory evidence a person is alive if a payment is based on that person being alive. For example, a notarized letter may be provided as satisfactory evidence a person is living.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not refund charges that have been paid up to the point of terminating the Policy or receiving annuity payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The tax rules for qualified policies may limit the value of this rider. Please consult a financial professional before electing the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider for a qualified Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals up to the rider withdrawal amount are not subject to an Excess Interest Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Like all withdrawals, withdrawals up to the rider withdrawal amount, while this rider is in effect also:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your Policy Value by the amount of the withdrawal;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your base Policy death benefit and other benefits;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to surrender charges if the withdrawal is greater than the Surrender Charge Free Amount;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to income taxes and federal tax penalties (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">); and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be limited or restricted under certain qualified policies. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Qualified Policies</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Living Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Rider Withdrawal Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can withdraw up to the rider withdrawal amount in any rider year (after attainment of the minimum benefit age) from Your Policy Value without causing an excess withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider withdrawal amount is zero if the Annuitant (or the Annuitant's spouse if younger and the joint life option is elected) has not attained the minimum benefit age on the rider date and remains zero until the first day of the rider year after the Annuitant (or the Annuitant's spouse if younger and the joint life option is elected) has attained the minimum benefit age. On the first day of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age the rider withdrawal amount is equal to the withdrawal base multiplied by the withdrawal percentage. See applicable Rate Sheet Prospectus Supplement for additional information. Surrender charges may apply if Your rider withdrawal amount exceeds Your Surrender Charge Free Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">For qualified policies:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the plan participant (generally the Annuitant) reached their </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Required Beginning Date</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, the rider withdrawal amount for that rider year (and each subsequent rider year) is equal to the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the rider withdrawal amount described above; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">an amount equal to any minimum required distribution amount, if any. For riders added on the Policy Date, the minimum required distribution during the first rider year is based on the initial premium (initial premium could include premium from transfers received after the Policy effective date, but must be deemed initial premium). For riders added after the Policy Date, if the Policy to which the rider is attached was in force on December 31st of the previous year, the minimum required distribution for the first rider year is calculated using the year-end Policy Value plus any actuarial present value from the previous year. For riders added after the Policy Date and the Policy to which the rider is attached was not in force on December 31st of the previous year, the minimum required distribution for the first rider year is based on the Policy Value on the rider date. The minimum required distribution is calculated based on the rules established by the IRS. The minimum required distribution may only be used if all of the following are true:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.04pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:8.96pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Policy to which this rider is attached is a tax-qualified Policy for which the IRS minimum required distributions are required,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.84pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">b.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:8.16pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions do not start prior to the Annuitant’s Required Beginning Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">c.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:9pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:10.09pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">d.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:7.91pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based on age of the living Annuitant. The minimum required distributions cannot be based on the age of someone who is deceased,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:8.96pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:9.04pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based only on the Policy to which this rider is attached,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:7.74pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">f.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:10.26pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are only for the current rider year. Amounts carried over from past rider years are not considered, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.46pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;margin-left:8.54pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if an excess withdrawal is taken in the previous rider year, the minimum required distribution will not be used in calculating the rider withdrawal amount. If the minimum required distribution amount (determined as set forth above) exceeds the rider withdrawal amount, the excess will not be treated as an excess withdrawal under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If any of the above are not true, then the minimum required distribution is equal to zero and it is not available as a rider withdrawal amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Only amounts calculated as set forth above can be used as the rider withdrawal amount. If the minimum required distribution amount (determined as set forth above) exceeds the rider withdrawal amount, the excess will not be treated as an excess withdrawal under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If Your Policy Value reaches zero:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">by means other than an excess withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, then You cannot make premium payments and all other Policy features, benefits and guarantees (except those provided by this rider) are terminated. If Your Policy Value reaches zero by means other than an excess withdrawal, and the rider remains in force, we will, unless otherwise instructed, make payments using the current payment instructions on file with us that are equal to the rider withdrawal amount divided by the frequency of payments. If the Annuitant (or younger of Annuitant or Annuitant’s spouse if the joint option is elected) has attained the minimum benefit age and a systematic payout option is not active at the time the Policy Value equals zero, a payment will be established. Unless instructed otherwise, the default frequency will be monthly, unless the amount does not meet the minimum systematic payout requirements in Your Policy. If that occurs, we reserve the right to change the frequency and amount in order to meet the minimum systematic payout requirements. If the minimum benefit age has not been attained, payments will begin on the rider anniversary following the attainment of the minimum benefit age.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">due to an excess withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, then Your Policy will terminate resulting in the termination of this rider. An excess withdrawal that does not cause Your Policy Value to equal zero will not terminate the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the rider is added prior to the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) having attained the minimum benefit age, the rider withdrawal amount will be zero until the beginning of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age birthday, however, You will still be charged a rider fee upon electing the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider year begins on the rider date and thereafter on each rider anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You cannot carry over any portion of Your rider withdrawal amount that is not withdrawn during a rider year for withdrawal in a future rider year. This means that if You do not take the entire rider withdrawal amount during a rider year, You cannot take more than the rider withdrawal amount in the next rider year and maintain the rider's guarantees.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess withdrawals may cause You to lose the benefit of the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any amount withdrawn in a rider year (including any surrender charge, if applicable) in excess of the rider withdrawal amount is an excess withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The select and flexible Investment Options may be changed by us in the future. Any changes to investment allocation requirements will not affect existing Policy Owners with an active rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Rate Sheet Prospectus Supplement</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages are disclosed in the Rate Sheet Prospectus Supplement. We periodically issue new Rate Sheet Prospectus Supplements that may reflect different rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages than the previous Rate Sheet Prospectus Supplements. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages set forth in the Rate Sheet Prospectus Supplement may not be superseded or changed until a new Rate Sheet Prospectus Supplement is filed at least 10 Business Days prior to the effective date of the new Rate Sheet Prospectus Supplement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued as part of the new Policy application process</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order to receive the applicable rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages, Your application must be signed while the Rate Sheet Prospectus Supplement is effective, we must receive Your completed application within 7 calendar days from the date that the </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">supplement is no longer effective, and the Policy must be funded within 60 calendar days from the date that the supplement is no longer effective. If these conditions are not met, Your application will be considered not in good order and additional paperwork may be required to issue the Policy with the applicable rates in effect at that time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued to existing Policy Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order to receive the applicable rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages, Your rider election form must be signed and received in good order while the Rate Sheet Prospectus Supplement is in effect. If Your rider election form is received in good order after the Rate Sheet Prospectus Supplement is no longer in effect, You will receive the rider terms that are in effect on the date Your rider election form is received in good order. Election forms must be received in good order while the New York Stock Exchange is open for regular trading to get same-day pricing of the transaction. Election forms received in good order on non-Business Days or after our close of business will get next-day pricing.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Percentage</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the withdrawal percentage to calculate the rider withdrawal amount. The withdrawal percentage is determined by the Annuitant’s age (or the Annuitant's spouse's age if younger and the joint life option is elected) and rider duration at the time of the first withdrawal taken on or after the rider anniversary immediately following the Annuitant’s (or the Annuitant's spouse's if younger and the joint life option is elected) attainment of the minimum benefit age.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal percentage is disclosed in Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Once established, the withdrawal percentage will not change except in certain instances involving automatic step-ups. Withdrawal percentages will change when an automatic step-up occurs and You have crossed into another band or duration prior to the automatic step-up. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step - Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the withdrawal base to calculate the rider withdrawal amount and rider fee. The withdrawal base on the rider date is the Policy Value. During any rider year, the withdrawal base is equal to the withdrawal base on the rider date or most recent rider anniversary, plus subsequent premium payments, less subsequent withdrawal base adjustments due to excess withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the withdrawal base will equal the greatest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1. the current withdrawal base;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2. the Policy Value on the rider anniversary; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3. the highest Policy Value in the previous year based on the valuation frequency. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Automatic Step-Up section below).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Item 3 above will be zero if there have been any excess withdrawals in the current rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Hypothetical Example of Withdrawal Base Calculation – Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> which illustrates the hypothetical example of the withdrawal base calculation.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We determine the withdrawal base solely to calculate the rider withdrawal amount and rider fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your withdrawal base is not a Cash Value, a surrender value, or a death benefit. It is not available for withdrawal, it is not a minimum return for any Subaccount, and it is not a guarantee of Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the withdrawal base is generally equal to the Policy Value on the rider date, the rider withdrawal amount may be lower if You delay electing the rider and the Policy Value decreases before You elect the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the rider will receive an automatic step-up if the withdrawal base is set equal to the Item 2 or 3 from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section above. If neither is greater than the current withdrawal base, no automatic step-up will occur. If the withdrawal percentage has been established due to a previous withdrawal, the withdrawal percentage (as indicated in the Rate Sheet Prospectus Supplement) will increase if You have crossed into another age band or rider year duration prior to the automatic step-up. Please note, the increase is part of the automatic step-up and if no automatic step-up occurs then there will be no withdrawal percentage increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the rider fee percentage may increase (or decrease) at the time of any automatic step-up. The rider fee percentage will not exceed the maximum fee percentage in effect when the rider was elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up Opt Out</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Each time an automatic step-up results in a rider fee percentage increase, You have the option to reject the automatic step-up and reinstate the withdrawal base, withdrawal percentage, and rider fee percentage to their respective amounts immediately before the automatic step-up, provided that You do so within 30 days after the rider anniversary on which the automatic step-up occurred. Changes as a result of the automatic step-up feature will be reversed. We must receive Your rejection (each time You elect to opt out), in good order, at our Administrative Office within the same 30 day period after the rider anniversary on which the automatic step-up occurred. You are not subject to fee increases for any Automatic Step-Up that You have opted out of. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Opting out of one step-up does not operate as an opt-out of any future step-ups</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cumulative gross withdrawals up to the rider withdrawal amount in any rider year will not reduce the withdrawal base. Any amount of gross withdrawals in excess of the rider withdrawal amount in any rider year (“excess withdrawals”) will reduce the withdrawal base, however, by the greater of the dollar amount of the excess withdrawal (if the Policy Value is greater than the withdrawal base) or a pro rata amount (in proportion to the reduction in the Policy Value when the Policy Value is less than the withdrawal base), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">possibly to zero</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If an excess withdrawal reduces the Policy Value to zero, this rider will terminate. Withdrawal base adjustments occur immediately following excess withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail, including an excess withdrawal that reduces the withdrawal base by a pro rata amount. The effect of an excess withdrawal is magnified if the Policy Value is less than the withdrawal base.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: You retain all responsibility for monitoring excess withdrawals. If You take regular or scheduled withdrawals please pay particular attention to any excess withdrawal because Your regular or scheduled non-excess withdrawals may thereafter become excess withdrawals that reduce or eliminate Your benefit on an accelerated basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;text-decoration:underline;">Example</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">. Assume You are the Owner and Annuitant and You make a single premium payment of $100,000 when You are 66 years old. Further assume that You do not make any withdrawals or additional premium payments, and no automatic step-ups occurred, but that after six years Your Policy Value has declined to $90,000 solely because of negative investment performance. You could receive up to $6,000 each rider year for the rest of Your life based on an assumed withdrawal percentage of 6.0% for the single life option multiplied by an assumed withdrawal base of $100,000 and assuming that:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:36pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">You take Your first withdrawal when You are age 72</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:36pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">You do not withdraw more than the rider withdrawal amount in any one year, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:36pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">there are no future automatic step-ups.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;text-decoration:underline;">Example continued</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">. Assume the same facts as above, but You withdraw $10,000 when You are 72 years old. That excess withdrawal decreases Your future rider withdrawal amount to $5,714.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the withdrawal ($10,000) is in excess of the rider withdrawal amount ($6,000) it impacts the withdrawal base on a greater than dollar-for-dollar basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Adjusted Withdrawal = Excess Withdrawal Amount * Withdrawal Base prior to the withdrawal / Policy Value after the Rider Withdrawal Amount but prior to the Excess Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess withdrawal amount $10,000 - $6,000 = $4,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawal base = $100,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Value after the rider withdrawal amount but prior to the excess withdrawal amount $90,000 - $6,000 = $84,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Adjusted withdrawal = $4,000 * $100,000 / $84,000 = $4,761.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">New withdrawal base $100,000 - $4,761.90 = $95,238.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">New rider withdrawal amount $95,238.10 * 6% = $5,714.29</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals - Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Required Allocations</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect this rider, a certain percentage of Your Policy Value on the rider date must be allocated to the Stable Account, the select Investment Options and the flexible Investment Options, in accordance with the percentages specified in the Required Allocations for Premium Payments table contained in the Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). After the rider date, the allocation of all subsequent premium payments must also comply with the required allocations for premium payments table contained in the Rate Sheet Prospectus Supplement so long as this rider is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition, if You elect this rider, any transfers to and from the select Investment Options and the flexible Investment Options must comply with the required allocation percentages for rebalancing specified in the Rate Sheet Prospectus Supplement in effect at the time You elect this rider. Any transfers to and from the select Investment Options and flexible Investment Options will be validated using the prior day’s Policy Values to ensure compliance with the required allocation percentages for rebalancing at the time of the request. Transfer requests that do not comply with the required allocation percentages for rebalancing will be deemed not in good order. Changes in Policy Values due to market movements on other dates will not be treated as a violation of the required allocations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transfers to and from the Stable Account (described below) are not permitted. Withdrawals from the Stable Account are not permitted until all other Investment Options are depleted of value. Withdrawals from the flexible Investment Options and select Investment Options will be deducted on a pro-rata basis. If You do not wish to maintain the applicable required allocation percentages, the rider must be terminated, subject to the rider termination restrictions and requirements, prior to making any transfer. The rider will terminate on the date we receive Written Notice from You requesting termination if such notice is received by us during the 30 days following the fifth rider anniversary or any fifth rider anniversary thereafter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Enrollment in dollar cost averaging is not available while this rider is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">The Stable Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Stable Account is a Fixed Account option under Your Policy. Premium payments allocated and amounts transferred to the Stable Account become part of our general account. Interests in the general account have not been registered under the 1933 Act, nor is the general account registered as an investment company under the 1940 Act. Accordingly, neither the general account nor any interests therein are generally subject to the provisions of the 1933 or 1940 Acts. Disclosures relating to interests in the general account are, however, subject to certain generally applicable provisions of the federal securities laws relating to the accuracy of statements made in a registration statement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allocations applied to the Stable Account will be credited interest based on a fixed rate. The interest rates will be applied in increments of at least one year measured from each premium payment date and will automatically renew and remain in the Stable Account. The interest credited to the Stable Account will not be less than the guaranteed minimum effective annual interest rate shown on Your Policy (the “guaranteed minimum”). We determine credited rates, which are guaranteed for at least one year, in our sole discretion. You bear the risk that we will not credit interest greater than the guaranteed minimum.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals, surrenders, or transfers (upon termination) from the Stable Account will not be subject to an Excess Interest Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon termination of the rider, all amounts in the Stable Account will be transferred to the money market Subaccount available under Your Policy and no additional premium payments will be allowed into the Stable Account. Owners are permitted to provide instructions as to the allocation of the Stable Account proceeds contained in the money market Subaccount to one or more Subaccounts, but such instructions will not be effective prior to the Business Day after rider termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We guarantee that upon full surrender Your Cash Value attributable to the Fixed Account will not be less than the amount required by the applicable state nonforfeiture law at the time the Policy is issued.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Select and Flexible Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. As described above, if You elect this rider, You must allocate a certain percentage of Your premium payments and Policy Value to the available flexible Investment Options and select Investment Options. A complete listing of Investment Options designated as flexible Investment Options and select Investment Options appears in the “Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 Investment Options”. You will be notified if there are changes made to the Investment Options within the designated group. Requiring that You allocate a certain percentage of Your premium payments and Policy Value to the designated Investment Options, some of which invest in underlying fund portfolios that employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to use our own assets to pay amounts due under this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Rebalancing</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. While this rider is effective, quarterly rebalancing is required and will take place at the end of each rider quarter on the same date Your rider fee is deducted. If the day rebalancing takes place is not a Business Day, the value of the Accumulation Units redeemed or purchased due to rebalancing will be determined as of the next Business Day. We will automatically transfer amounts among Subaccounts according to the most recent rebalancing allocation instructions on file that comply with the required allocations for rebalancing. On the rider date, Your rebalancing allocation instructions will be established using a ratio of Your current investment allocation instructions for new premium payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will be notified in writing that the required rebalance has been set up, and what the calculated rebalance allocation percentages are, prior to the first quarter rebalancing. You may request changes to Your rebalancing allocation instructions before the prior instructions are implemented if we receive notice of Your request in good order prior to the close of the New York Stock Exchange on the day the rebalance is processed. Your rebalancing allocation instructions will be established using a ratio of Your current investment </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">allocation instruction for new premium payments. You may request changes to Your rebalancing allocation instructions while this rider remains effective as long as they comply with the required allocations for rebalancing. Rebalancing will not cease upon the request of any transfer.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Guaranteed Lifetime Withdrawal Benefit -Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 and Transamerica Principal Optimzer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> Riders - Rebalancing Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> which illustrates the initial calculation of rebalancing allocation percentage. On the rider date, Your rebalancing allocation instructions will be established using a ratio of Your current investment allocation instructions for new premium payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You do not wish to maintain the required allocations, the rider must be terminated, subject to the rider termination restrictions and requirements, prior to making any transfer. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Rider - Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, below.)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the list of designated flexible and select investment groups at any time. Any changes to investment allocation requirements will not affect Policy Owners with an active rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an underlying fund portfolio informs us that a portfolio will be liquidated or reorganized, we can eliminate the corresponding select or flexible Investment Option. If this occurs, You will be required to reallocate values in the affected Investment Option to other flexible and select Investment Options in order to meet the allocation requirements. We will provide notice to You if a select or flexible Investment Option will be eliminated and reallocation is required. If You do not provide us with new instructions in the time specified in our notice, we will move Your money in the affected option to the money market Subaccount to the extent permitted by applicable law.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Joint Life Option</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider, then You can also elect to postpone termination of the rider until the later of the Annuitant’s or Annuitant’s spouse’s death (only if the Annuitant’s spouse is eligible to and elects to continue the Policy, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Tax Status of a Nonqualified Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> - Distribution Requirements). If You elect the Joint Life option, then the withdrawal percentage used to calculate the rider withdrawal amount may be lower than under the Single Life option. The withdrawal percentage that is used to determine Your rider withdrawal amount will be disclosed in a Rate Sheet Prospectus Supplement included with Your prospectus. This option may not be permitted in the case of certain non-natural Owners. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note: If You elect this option:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal percentage for each “age at the time of the first withdrawal” may be lower if You elect the joint life option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee may be greater if this option is elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant's spouse (or in certain instances a non-natural entity acting for the benefit of the Annuitant's spouse) must be either a joint Owner along with the Annuitant or the sole primary beneficiary (and there is no joint Owner). (Please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Spousal Continuation</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for more detail regarding Annuitant's spouse).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A former spouse of the Annuitant cannot continue to keep the Policy in force if no longer married to the Annuitant at the time of the Annuitant's death. In that event, the rider will terminate and no additional withdrawals under the rider will be permitted.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant’s spouse for purposes of this rider cannot be changed to a new spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider withdrawal percentage is based on the age of the younger of the Annuitant and Annuitant’s spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider’s issue ages may vary if You elect this option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 Fees</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee is deducted at the end of each successive rider quarter, on the same day of the month as the rider date. If a day does not exist in a given month, the first day of the following month will be used. If a rider fee is deducted from a Subaccount on a day which is not a Business Day, the value of Accumulation Units redeemed will be determined as of the next Business Day. The rider fee is calculated and stored at issue and at each subsequent rider quarter for the upcoming quarter. The rider fee will be adjusted for any premium additions and excess withdrawals. It will be deducted automatically from the flexible Investment Options and the select Investment Options on a pro rata basis at the end of each rider quarter. After those Investment Options are depleted of value, the rider fee will be deducted from the Stable Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentage may change after the first rider anniversary due to an automatic step-up. Your rider fee may increase (or decrease) at the time of any automatic step-up. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider. The current rider fee percentage will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued as part of the new Policy application process</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order for the rider fee percentage disclosed in the applicable Rate Sheet Prospectus supplement to apply, Your application must be signed on or after the date set forth in the applicable Rate Sheet Prospectus Supplement and must be received in good order within 7 calendar days and funded within 60 calendar days from the date the Rate Sheet Prospectus Supplement is no longer in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued to existing Policy Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order for the rider fee disclosed percentage in the application Rate Sheet Prospectus Supplement to apply, Your rider election form must be signed and received while the applicable Rate Sheet Prospectus Supplement is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should not elect this rider without first obtaining the applicable Rate Sheet Prospectus Supplement. You can contact us at (800)525-6205 to receive a Rate Sheet Prospectus Supplement applicable to You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On an annual basis, in general terms, the rider fee is the rider fee percentage multiplied by the withdrawal base. Specifically, the quarterly fee is calculated by multiplying (A) by (B) by (C), where:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(A)</span></div> <div style="float:left;line-height:12pt;margin-left:23.37pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the withdrawal base;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.45pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(B)</span></div> <div style="float:left;line-height:12pt;margin-left:23.55pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee percentage; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:13.36pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(C)</span></div> <div style="float:left;line-height:12pt;margin-left:22.64pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the number of days in the rider quarter divided by the total number of days in the applicable rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following example uses these assumed values: Initial Premium = $100,000; Withdrawal Base = $100,000; Rider Fee percentage = 1.25%; and 91 total days in the rider quarter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation at rider issue for first quarter rider fee. The rider fee is:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 100,000*0.0125*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 1,250*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $311.64</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A portion of the rider fee will also be assessed upon full surrender of the Policy or other termination of the rider. The quarterly fee will be adjusted based on the number of days remaining until the end of the next rider quarter for the period beginning on the first day of the most recent rider quarter and ending on the date of termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary the rider fee percentage may increase (or decrease) at the time of an automatic step-up. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider. The current rider fee percentage will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). Please contact Your financial intermediary or call our Administrative Office to determine whether the Rate Sheet Prospectus Supplement has been amended. Each time an automatic step-up results in a rider fee percentage increase, You will have the option to reject the automatic step-up and reinstate the withdrawal base, withdrawal percentages and rider fee percentage to their respective amounts immediately before the automatic step-up (adjusted for any subsequent premium payments or withdrawals), provided that You do so within 30 calendar days after the rider anniversary on which the automatic step-up occurred. We must receive Your rejection, in good order, at our Administrative Office within the 30 day period after the rider anniversary on which the automatic step-up occurred.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note regarding the rider fee:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the rider fee is a percentage of the withdrawal base, it could be a much higher percentage of Your Policy Value, particularly in the event that Your Policy Value decreases significantly.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the rider fee is a percentage of the withdrawal base, the amount of the rider fee we deduct will increase if the withdrawal base increases (although the percentage(s) may remain the same).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Rider Fee Adjustment for Premium Payments and Excess Withdrawals</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. A rider fee adjustment will be calculated for subsequent premium payments and excess withdrawals because these events will change the withdrawal base. The rider fee adjustment may be positive or negative and will be added to or subtracted from the rider fee to be collected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee adjustment is calculated by multiplying (A) by (B) by (C), where:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(A)</span></div> <div style="float:left;line-height:12pt;margin-left:23.37pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the withdrawal base change (i.e. withdrawal base after the transaction minus the withdrawal base before the transaction);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.45pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(B)</span></div> <div style="float:left;line-height:12pt;margin-left:23.55pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee percentage; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:13.36pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(C)</span></div> <div style="float:left;line-height:12pt;margin-left:22.64pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the number of days remaining in the rider quarter divided by the total number of days in the applicable rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following example uses these assumed values: All initial values as in Example 1; Subsequent Premium = $10,000; and 20 remaining days in the rider quarter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for first quarter rider fee adjustment for a subsequent premium. The fee adjustment is:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 10,000*0.0125*(20/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 125*(20/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $6.85</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Total fee assessed at the end of the first rider quarter (assuming no further rider fee adjustments):</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $6.85 + $311.64</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $318.49</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following two examples use assumed fees and values. The assumed rider year is not a leap year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for second quarter fee at beginning of second rider quarter assuming withdrawal base of $110,000 and a fee percentage of 1.25%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 110,000*0.0125*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 1,375*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $342.81</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 4</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for second quarter fee and an excess withdrawal that results in a pro-rata reduction in the withdrawal base. Assuming beginning values as in example 3, plus adjustment for gross withdrawal of $10,000 taken with 40 days remaining in the second rider quarter. Assumes withdrawal percentage of 5% and a Policy Value of $93,500 prior to the transaction and change in withdrawal base as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Rider Withdrawal Amount (RWA) = Withdrawal Base * Withdrawal Percentage = $110,000 * .05 = $5,500 <br/>Excess Withdrawal = Difference between assumed withdrawal amount and RWA = $10,000 - $5,500 = $4,500 <br/>Withdrawal Base Adjustment = Maximum of Excess Withdrawal and Pro-Rata Withdrawal Amount (Excess Withdrawal * Withdrawal Base prior to withdrawal/Policy Value after RWA has been withdrawn but before excess withdrawal) = Maximum of $4,500 * $110,000/ ($93,500 - $5,500)) = Maximum of $4,500 and $5,625 = $5,625</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fee adjustment as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-5,625 * 0.0125 * (40/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-78.75 * (40/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-7.71</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The total fee assessed at the end of the second rider quarter (assuming no further rider fee adjustments):</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $342.81 - $7.71</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $335.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The new withdrawal base = $110,000 - $5,625 = $104,375</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Issue Requirements</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not issue the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider if:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant is age 86 or older (lower if required by state law); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in New York, the Annuitant is younger than the applicable minimum age; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant is not also an Owner (except in the case of non-natural Owners); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">there are more than two Owners.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Furthermore, if the joint life option is elected, we will not issue the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 Rider if:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is 86 or older (lower if required by state law); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in New York, the Annuitant’s spouse is younger than the applicable minimum age; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is not a joint Owner along with the Annuitant; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is not the sole primary beneficiary (and there is no joint Owner).</span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The use of joint life option may not be permitted in the case of certain non-natural Owners.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:13.0pt;margin-top:10pt;text-align:left;"> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date the Policy to which this rider is attached terminates;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date of a change in ownership or assignment which violates the Owner and Annuitant relationship requirements as contained in the rider;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">prior to Your Policy Value reaching zero, the date on which we receive in good order, required information to process a death claim for the Annuitant (or if the joint life option is elected, the later of the Annuitant’s or Annuitant’s spouse’s death);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">on or after Your Policy Value equals zero, upon Annuitant’s death (or if the joint life option is elected, the later of the Annuitant’s or Annuitant’s spouse’s death);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuitization (however, if You have reached Your maximum Annuity Commencement Date You may choose an Annuitization option which guarantees You lifetime payments in an amount equal to Your rider withdrawal amount); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date we receive Written Notice from You requesting termination if such notice is received by us during the 30 days following the fifth rider anniversary or any fifth rider anniversary thereafter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date an excess withdrawal reduces Your Policy Value to zero; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div> <div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date we receive Written Notice from You requesting termination of the rider if such notice is received before midnight of the 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> calendar day after You receive the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This rider terminates upon Annuitization and there is a maximum Annuity Commencement Date at which time Your Policy will be Annuitized according to its terms. However, if You have reached Your maximum Annuity Commencement Date, we will allow You to Annuitize Your Policy and elect to receive lifetime annuity payments which are at least equal to Your rider withdrawal amount. Please contact us for more information concerning Your options.</span></div> </div> <table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:101pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Access Rider</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider eliminates any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrender charges during the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">accumulation phase.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equal to 0.35% </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Separate Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is irrevocable.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This does not eliminate any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Excess Interest Adjustment or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">modify other provisions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:113pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">“Base Policy” Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays base death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">generally equal to the greatest of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy Value, Cash Value plus </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">positive Excess Interest </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Adjustment and Fixed Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portion of minimum required </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Value plus the Separate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account portion of the Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Death benefit terminates </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">without value upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:255.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Return of Premium </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays minimum death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">equal to total premium </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments (minus adjusted </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals as of the date of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death, and minus withdrawals </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the date of death to the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">date the death benefit is paid).</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.15% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">average Separate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot change death benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">once elected.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Not available if You or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant is 86 or older on </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy Date.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate 100% of Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Value to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals can significantly </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">reduce benefit value or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Telephone and on-line </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">transfers among Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Options are not available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> </table><table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:257pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Step-Up Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays death benefit equal to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">highest Policy Value on Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Date or on any Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuitant’s 81st birthday </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(adjusted for premium </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments and withdrawals).</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.35% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">average Separate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot change death benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">once elected.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Not available if You or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant is 76 or older on </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy Date.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate 100% of Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Value to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals can significantly </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">reduce benefit value or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">”Step-Up” ends on Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Anniversary prior to Your </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">81st birthday.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:201.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Additional Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays an additional death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount based on any rider </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">earnings, since the rider was </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">issued.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.25% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Policy Value</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for issue ages </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">through 75 and younger.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was not available to Inherited </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">IRAs.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Return of Premium Death </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit or Annual Step-Up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Death Benefit and subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">same Investment Restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Additional benefit amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">varies by issue age.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> </div> </td> </tr> </table><table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:275pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Additional Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution+</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays an additional death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount that varies depending </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">on time elapsed since rider date.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.55% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Policy Value</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only for issue </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">ages 69 and younger.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was not available to Inherited </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">IRAs.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Return of Premium Death </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit or Annual Step-Up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Death Benefit, and subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">the same Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Additional benefit amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">during first five years after </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider date equal to sum of all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider fees paid since rider </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">date, after five years, benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">equal to percentage of rider </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefit base.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> </div> </td> </tr> <tr style="height:98pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Nursing Care and </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Terminal Condition </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waives Surrender Charges and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Excess Interest Adjustments if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You or Your spouse are confined </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to a nursing home or have </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminal illness.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals are subject to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">$1,000 minimum.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Qualifying conditions related </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to nursing home stay and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminal illness.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:144.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Unemployment Waiver</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waives Surrender Charges and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Excess Interest Adjustments if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You or Your spouse become </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">unemployed due to involuntary </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">job termination or lay-off.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No charge</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Qualifying conditions related </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to job termination and job </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">history.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must be unemployed for a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">certain period of time prior to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">taking withdrawal, be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">receiving unemployment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefits, and have $5,000 </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">minimum in Cash Value.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> </table><table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:149pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make transfers into one or more </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subaccounts.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Traditional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> A minimum of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">$500 per transfer is required.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Minimum and maximum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">number of transfers.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Special </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Limited to six </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">month or twelve-month </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">transfer program and only </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available for new premium </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">payments.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> </div> </td> </tr> <tr style="height:53pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Asset Rebalancing</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically rebalances the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts in Your Subaccounts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to maintain Your desired asset </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation percentages.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Does not include any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">amounts allocated to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Fixed Account.</span></div> </div> </td> </tr> <tr style="height:195.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Systematic Payout </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides monthly, quarterly, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">semi-annual or annual </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No Charge</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Subject to $40 minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawals.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals in </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">excess of cumulative interest </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">credited from guaranteed </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">period options may be subject </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to Excess Interest </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Adjustment.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals in </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">excess of remaining </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Surrender </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;text-decoration:underline;">Charge Free Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> may be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to Surrender Charge.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals can </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">value or terminate benefit.</span></div> </div> </td> </tr> </table><table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:534.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transamerica Principal </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> Rider</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides both a Guaranteed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifetime Withdrawal Benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Guaranteed Minimum </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Accumulation Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">2.50% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Rider Fee Basis</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot be added to a Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Please note: For policies </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">issued in the state of New </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">York, please see </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Appendix - </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;text-decoration:underline;">State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> section for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider availability.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees are subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase (or decrease) at the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">time of any automatic step-up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">of the withdrawal base. You </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">can opt out of any step-up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(and fee increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate a certain </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">percentage of the Policy Value </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to the Stable Account, the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">select Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and the flexible Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Guaranteed minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">accumulation portion of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefit applies only if rider is </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">held for the waiting period </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">you elect (7 or 10 years).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider withdrawal amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">under guaranteed minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal equal to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base multiplied by </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">the withdrawal percentage.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Benefit terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> </div> </td> </tr> </table><table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:411.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Retirement Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Max</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> 1.2 Rider</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides Guaranteed Lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">2.50% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Withdrawal Base</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Could not be added to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals may </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminated the benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> </div> </td> </tr> </table><table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:459.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Retirement Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Choice 1.7 Rider</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides guaranteed lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59. Also </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provides death protection </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or long-term care for an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional fee.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">2.50% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Withdrawal Base </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit Rider </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to base benefit: </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.55% annually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Single Life) or </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.50% annually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Joint Life), of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Base.</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Enhancement </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Option: 0.45% </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually (Single Life) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or 0.65% annually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Joint Life) of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Base.</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If qualifications are </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">met, the Income </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Enhancement </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Option increases the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage by 50%</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Could not be added to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate the benefits.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">The Income Enhancement </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Option subject to qualifying </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">conditions, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">conditions related to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">hospital and/or nursing home </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">stay.</span></div> </div> </td> </tr> </table><table cellpadding="0" style="border-width: 0.5pt; border-style: solid; border-color: rgb(0, 0, 0); empty-cells: show; width: 517pt; border-spacing: 0px; "> <tr style="height:34.5pt;"> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 104pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 133.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 54pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 93pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: bottom; width: 132.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:357.5pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 104pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transamerica Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> 1.2 Rider</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 133.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides guaranteed lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59.</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 54pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">2.50% annually of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Base</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.125pt; vertical-align: top; width: 132.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot be added to a Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider, or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate the benefits.</span></div> </div> </td> </tr> </table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Access Rider</span> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider eliminates any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrender charges during the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">accumulation phase.</span></div> true 0.0035 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is irrevocable.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This does not eliminate any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Excess Interest Adjustment or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">modify other provisions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">“Base Policy” Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays base death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">generally equal to the greatest of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy Value, Cash Value plus </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">positive Excess Interest </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Adjustment and Fixed Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portion of minimum required </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Value plus the Separate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account portion of the Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value.</span></div> true 0 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Death benefit terminates </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">without value upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Return of Premium </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays minimum death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">equal to total premium </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments (minus adjusted </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals as of the date of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death, and minus withdrawals </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the date of death to the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">date the death benefit is paid).</span></div> true 0.0015 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot change death benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">once elected.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Not available if You or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant is 86 or older on </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy Date.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate 100% of Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Value to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals can significantly </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">reduce benefit value or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Telephone and on-line </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">transfers among Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Options are not available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Step-Up Death </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays death benefit equal to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">highest Policy Value on Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Date or on any Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuitant’s 81st birthday </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(adjusted for premium </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments and withdrawals).</span></div> true 0.0035 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available only at purchase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot change death benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">once elected.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Not available if You or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant is 76 or older on </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy Date.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate 100% of Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Value to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals can significantly </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">reduce benefit value or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">”Step-Up” ends on Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Anniversary prior to Your </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">81st birthday.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Additional Death </span></div> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays an additional death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount based on any rider </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">earnings, since the rider was </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">issued.</span></div> true 0.0025 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for issue ages </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">through 75 and younger.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was not available to Inherited </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">IRAs.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Return of Premium Death </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit or Annual Step-Up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Death Benefit and subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">same Investment Restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Additional benefit amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">varies by issue age.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Additional Death </span></div> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution+</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pays an additional death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount that varies depending </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">on time elapsed since rider date.</span></div> true 0.0055 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only for issue </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">ages 69 and younger.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was not available to Inherited </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">IRAs.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available only with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Return of Premium Death </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit or Annual Step-Up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Death Benefit, and subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">the same Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Additional benefit amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">during first five years after </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider date equal to sum of all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider fees paid since rider </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">date, after five years, benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">equal to percentage of rider </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefit base.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Nursing Care and </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Terminal Condition </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waives Surrender Charges and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Excess Interest Adjustments if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You or Your spouse are confined </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to a nursing home or have </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminal illness.</span></div> true 0 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Withdrawals are subject to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">$1,000 minimum.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Qualifying conditions related </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to nursing home stay and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminal illness.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Unemployment Waiver</span> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waives Surrender Charges and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Excess Interest Adjustments if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You or Your spouse become </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">unemployed due to involuntary </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">job termination or lay-off.</span></div> true 0 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Qualifying conditions related </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to job termination and job </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">history.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must be unemployed for a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">certain period of time prior to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">taking withdrawal, be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">receiving unemployment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefits, and have $5,000 </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">minimum in Cash Value.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make transfers into one or more </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subaccounts.</span></div> true 0 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Traditional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> A minimum of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">$500 per transfer is required.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Minimum and maximum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">number of transfers.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Special </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Limited to six </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">month or twelve-month </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">transfer program and only </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available for new premium </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">payments.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">May not be available in all </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">states.</span></div> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Asset Rebalancing</span> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically rebalances the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts in Your Subaccounts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to maintain Your desired asset </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation percentages.</span></div> true 0 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Does not include any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">amounts allocated to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Fixed Account.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Systematic Payout </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides monthly, quarterly, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">semi-annual or annual </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals.</span></div> true 0 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Subject to $40 minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawals.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals in </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">excess of cumulative interest </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">credited from guaranteed </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">period options may be subject </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to Excess Interest </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Adjustment.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals in </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">excess of remaining </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Surrender </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;text-decoration:underline;">Charge Free Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> may be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to Surrender Charge.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Systematic withdrawals can </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce benefit </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">value or terminate benefit.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transamerica Principal </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> Rider</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides both a Guaranteed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifetime Withdrawal Benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Guaranteed Minimum </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Accumulation Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> true 0.025 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot be added to a Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Please note: For policies </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">issued in the state of New </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">York, please see </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">Appendix - </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;text-decoration:underline;">State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> section for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">rider availability.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees are subject to </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase (or decrease) at the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">time of any automatic step-up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">of the withdrawal base. You </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">can opt out of any step-up </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(and fee increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Must allocate a certain </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">percentage of the Policy Value </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">to the Stable Account, the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">select Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and the flexible Investment </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Guaranteed minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">accumulation portion of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">benefit applies only if rider is </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">held for the waiting period </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">you elect (7 or 10 years).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider withdrawal amount </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">under guaranteed minimum </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal equal to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base multiplied by </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">the withdrawal percentage.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Benefit terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Retirement Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Max</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> 1.2 Rider</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides Guaranteed Lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59.</span></div> true 0.025 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Could not be added to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals may </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminated the benefit.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Terminates upon </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitization.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Retirement Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Choice 1.7 Rider</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides guaranteed lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59. Also </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provides death protection </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or long-term care for an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional fee.</span></div> true 0.025 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">This rider is no longer </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">available.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Could not be added to a </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Policy with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Was available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate the benefits.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">The Income Enhancement </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Option subject to qualifying </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">conditions, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">conditions related to the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">hospital and/or nursing home </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">stay.</span></div> <div style="margin-left:3pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transamerica Income </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> 1.2 Rider</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Provides guaranteed lifetime </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal benefit amount, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">which can be withdrawn in any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider year after age 59.</span></div> true 0.025 <div style="margin-left:4.25pt;margin-right:3pt;margin-top:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Cannot be added to a Policy </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">with another active </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Guaranteed Minimum Living </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Benefit Rider, or with </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Inherited IRA policies.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Available for </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Annuitant/Annuitant’s spouse </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">younger than age 86 unless </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">state law requires further </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">restrictions.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Joint Life options available </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">subject to certain restrictions </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">and differences, including </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">right to charge higher fee and </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">provide lower annual </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal amounts.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Rider fees subject to increase </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">(or decrease) at time of any </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">automatic step-up of the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">withdrawal base. You can opt </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">out of any step-up (and fee </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">increase).</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Policy Value must be </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">allocated to designated </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">Investment Options.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.9pt;">Excess withdrawals could </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">significantly reduce or </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;">terminate the benefits.</span></div> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">DEATH BENEFIT</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will pay a death benefit to Your beneficiary, under certain circumstances, if the Annuitant dies during the accumulation phase. If there is a surviving Owner(s) when the Annuitant dies, the surviving Owner(s) will receive the death benefit instead of the listed beneficiary. The person receiving the death benefit may choose an Annuity Payment Option (if You pick a variable Annuity Payment Option fees and expenses will apply), or may choose to receive the death benefit as a lump sum withdrawal. The guarantees of these death benefits are based on our claims-paying ability. No death benefit will be payable upon or after the Annuity Commencement Date. Please note that there is a mandatory Annuity Commencement Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">ANNUITY PAYMENTS (THE INCOME PHASE)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">section in this prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will determine the amount of and process the death benefit proceeds, if any are payable on a Policy, upon receipt at our Administrative Office of satisfactory proof of the Annuitant's death, directions regarding how to process the death benefit, and any other documents, forms and information that we need (collectively referred to as “due proof of death”). For policies with multiple beneficiaries, we will process the death benefit when the first beneficiary provides us with due proof of their share of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Death Proceeds</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. We will not pay any remaining beneficiary their share until we receive due proof of death from that beneficiary. Such beneficiaries continue to bear the investment risk until they submit due proof of death. Please note, we may be required to remit the death benefit proceeds to a state prior to receiving “due proof of death”. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Abandoned or Unclaimed Property</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Such due proof of death must be received in good order to avoid a delay in processing the death benefit claim. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">OTHER INFORMATION - Sending Forms and Transaction Requests in Good Order</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit proceeds remain invested in the Separate Account in accordance with the allocations made by the Policy Owner until the beneficiary has provided us with due proof of death. Once we receive due proof of death, investments in the Separate Account may be reallocated in accordance with the beneficiary's instructions.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may permit the beneficiary to give a “one-time” written instruction to reallocate the Policy Value in the Separate Account to the money market Subaccount after the death of the Annuitant. If there is more than one beneficiary, all beneficiaries must agree to the reallocation instructions. This one-time reallocation will be permitted if the beneficiary provides satisfactory evidence of the Annuitant's death (satisfactory evidence may include a certified death certificate).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">When We Pay A Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will pay a death benefit IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You are both the Annuitant and sole Owner of the Policy; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You die before the Annuity Commencement Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will pay a death benefit to You (Owner) IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You are not the Annuitant; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant dies before the Annuity Commencement Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: If there is a surviving Owner(s) when the Annuitant dies, the surviving Owner(s) will receive the death benefit (i.e., the surviving Owner(s) takes the place of any beneficiary designation).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the designated beneficiary receiving the death benefit is the surviving spouse of the Owner, then he or she may elect, if eligible, to continue the Policy as the new Annuitant and Owner, instead of receiving the death benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">DEATH BENEFIT - Spousal Continuation</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. All currently existing surrender charges will be waived.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">When We Do Not Pay A Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not pay a death benefit IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You are the Owner but not the Annuitant; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You die prior to the Annuity Commencement Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If an Owner (who is not the Annuitant) dies before the Annuitant, the amount payable will be equal to the Cash Value. Distribution requirements apply upon the death of any Owner. Generally, upon the Owner's death (who is not the Annuitant) the entire interest must be distributed in accordance with the Internal Revenue Code. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for a more detailed discussion of the distribution requirements under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Code</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an Owner (who is not the Annuitant) dies during the accumulation phase, the Cash Value will be paid to the person or entity first listed below who is alive or in existence on the date of that death:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any surviving Owner(s);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">primary beneficiary(ies);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">contingent beneficiary(ies); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deceased Owner's estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Deaths After the Annuity Commencement Date</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The amount payable, if any, on or after the Annuity Commencement Date depends on the annuity income option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You are not the Annuitant; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You die on or after the Annuity Commencement Date; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">the entire guaranteed amount in the Policy has not been paid;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">THEN:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">the remaining portion of such guaranteed amount in the Policy will continue to be distributed at least as rapidly as under the method of distribution being used as of the date of Your death.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You are the Owner and Annuitant; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You die after the Annuity Commencement Date; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">the Annuity Payment Option You selected did not have or no longer has a guaranteed period;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">THEN:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">no additional payments will be made.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Owner Death</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an Owner (who is not the Annuitant) dies during the accumulation phase, the Cash Value will be paid to the person or entity first listed below who is alive or in existence on the date of that death:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any surviving Owner(s);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">primary beneficiary(ies);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">contingent beneficiary(ies); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deceased Owner's estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Spousal Continuation</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the sole primary beneficiary is the spouse of the deceased, upon the Owner's or the Annuitant's death, the beneficiary may elect to continue the Policy in his or her own name. Upon the Annuitant's death if such election is made, the Policy Value will be adjusted upward (but not downward) to an amount equal to the death benefit amount determined upon such election and receipt of due proof of death of the Annuitant. Any excess of the death benefit amount over the Policy Value will be allocated to each applicable Investment Option in the ratio that the Policy Value in the Investment Option bears to the total Policy Value. The terms and conditions of the Policy that applied prior to the Annuitant's death will continue to apply, with certain exceptions described in the Policy. For purposes of the death benefit on the continued Policy, the death benefit is calculated in the same manner as it was prior to continuation on the date the spouse continues the Policy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Same Sex Relationships</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for more information concerning spousal continuation involving same sex spouses.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For these purposes, if the sole primary beneficiary of the Policy is a revocable grantor trust and the spouse of the Owner/Annuitant is the sole grantor, trustee, and beneficiary of the trust and the trust is using the spouse of the Owner/Annuitant's social security number at the time of claim, she or he shall be treated as the Owner/Annuitant's spouse. In those circumstances, the Owner/Annuitant's spouse will be treated as the beneficiary of the Policy for purposes of applying the spousal continuation provisions of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For these purposes, if the Owner is an individual retirement account within the meaning of IRC sections 408 or 408A and if the Annuitant's spouse is the sole primary beneficiary of the Annuitant's interest in such account, the Annuitant's spouse will be treated as the beneficiary of the Policy for purposes of applying the spousal continuation provisions of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Amount of Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Death benefit provisions may differ from state to state. The death benefit may be paid as a lump sum, as annuity payments or as otherwise permitted by the Company in accordance with applicable law. The amount of the death benefit depends on the guaranteed minimum death benefit option, if any, You choose when You buy the Policy. The “base Policy” death benefit will generally be the greatest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Policy Value on the date we receive the required information in good order at our Administrative Office;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Cash Value on the date we receive in good order the required information at our Administrative Office (this will be more than the Policy Value if there is a positive Excess Interest Adjustment that exceeds the surrender charge);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Fixed Account portion of the minimum required Cash Value plus the Separate Account portion of the Policy Value, on the date we receive the required information in good order at our Administrative Office; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the guaranteed minimum death benefit (if one was elected) on the date of death; plus premium payments, minus gross withdrawals, from the date of death to the date the death benefit is paid. Please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for illustrative examples regarding death benefit calculations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit terminates upon Annuitization.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Guaranteed Minimum Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The guaranteed minimum death benefit terminates upon Annuitization and there is a mandatory Annuity Commencement Date. On the policy application, You may choose the Annual Step-Up death benefit or the Return of Premium (age limitations may apply) for an additional fee. After the policy is issued, You cannot make an election and the death benefit cannot be changed.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The guaranteed minimum death benefit (unless you choose the Annual Step-Up or Return of Premium death benefit) is equal to your Policy Value as of the date due proof of death is provided.</span></div><div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Step-Up Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Under this option, on each Policy anniversary prior to Your 81st birthday, a new “stepped-up” death benefit is determined and becomes the guaranteed minimum death benefit for that Policy Year. This “step-up” death benefit is equal to:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the largest Policy Value on the Policy Date or on any Policy anniversary prior to the earlier of the Annuitant's date of death or the Annuitant's 81st birthday; plus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any premium payments since the date of any Policy anniversary with the largest Policy Value; minus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any adjusted withdrawals (please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">) since the date of the Policy anniversary with the largest Policy Value to the date of death; minus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawals from the date of death to the date the death benefit is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annual Step-Up Death Benefit is not available if You or the Annuitant is 76 or older on the Policy Date. There is an extra charge for this death benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">ANNUITY POLICY FEE TABLE AND EXPENSE EXAMPLES</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If You elected the Annual Step-Up Death Benefit, You must allocate 100% of Your Policy Value to one or more of the designated Investment Options approved for the Annual Step-Up Death Benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for a complete listing of available Investment Options. Requiring that You designate 100% of Your Policy Value to the designated Investment Options, some of which employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to use our own assets to pay amounts due under this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You may transfer amounts among the designated Investment Options; however, You cannot transfer any amount to any other Subaccount if You elect this death benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We have processes and procedures in place that will prevent allocation to a Subaccount that is not a designated Investment Option. These processes and procedures include restricting transfers requested by telephone and internet.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">optional</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> guaranteed minimum death benefit if You do not choose one when You purchase Your Policy.</span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Return of Premium Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Return of Premium Death Benefit is equal to:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">total premium payments; minus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any adjusted withdrawals (please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">) as of the date of death; minus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawals from the date of death to the date the death benefit is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">This benefit is not available if You or the Annuitant is 86 or older on the Policy Date. There is an extra charge for this death benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">ANNUITY POLICY FEE TABLE AND EXPENSE EXAMPLES</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If You elected the Return of Premium Death Benefit, You must allocate 100% of Your Policy Value to one or more of the designated Investment Options approved for the Return of Premium Death Benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for a complete listing of available designated options. Requiring that You designate 100% of Your Policy Value to the designated Investment Options, some of which employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to use our own assets to pay amounts due under this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You may transfer amounts among the designated Investment Options; however, You cannot transfer any amount to any other Subaccount if You elect this death benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We have processes and procedures in place that will prevent allocation to a Subaccount that is not a designated Investment Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">optional</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> guaranteed minimum death benefit if You do not choose one when You purchase Your Policy.</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">The Guaranteed Minimum Death Benefit may vary for certain policies and may not be available for all policies, in all states, at all times or through all financial intermediaries. Once You elect a death benefit and Your Policy is issued, Your death benefit cannot be changed and You will not be impacted by a decision to discontinue offering any particular guaranteed minimum death benefit to new sales.</span></div><div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Adjusted Withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">When You request a withdrawal, Your guaranteed minimum death benefit will be reduced by an amount called the adjusted withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Under certain circumstances, the adjusted withdrawal may be more than the dollar amount of Your withdrawal request</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. This will generally be the case if the guaranteed minimum death benefit exceeds the Policy Value at the time of withdrawal. It is also possible that if a death benefit is paid after You have taken a withdrawal, then the total amount paid could be less than the total premium payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The formula used to calculate the adjusted withdrawal amount is: adjusted withdrawal = amount of the withdrawal x (the current Death Proceeds prior to the withdrawal / Policy Value prior to the withdrawal).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We have included a detailed explanation of this adjustment with examples in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. This is referred to as “adjusted withdrawal” in Your Policy. If You have a qualified Policy, minimum required distributions rules may require You to request a withdrawal.</span></div> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Top;width:517pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> rider identified below, which provides certain guaranteed benefits, the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company requires a certain percentage of Your Policy Value to be allocated to the Stable Account, with the remainder to be </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocated to the select Investment Options and flexible Investment Options. One or more of the select Investment Options and </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">flexible Investment Options may include a volatility control strategy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Volatility control strategies, in periods of high market </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">volatility, could limit Your participation in market gains; this may conflict with Your investment objectives by limiting </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Your ability to maximize potential growth of Your Policy Value and, in turn, the value of any guaranteed benefit that is tied </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">to investment performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Volatility control strategies are intended to help limit overall volatility and reduce the effects of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">significant market downturns during periods of high market volatility, providing Policy Owners with the opportunity for </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">smoother performance and better risk adjusted returns. Volatility control (and similar terms) can encompass a variety of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment strategies of different types and degrees; therefore, You should read the applicable annuity and underlying fund </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolio prospectuses carefully to understand how these investment strategies may affect Your Policy Value and rider benefits. The </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company’s requirement to invest in accordance with the required allocations, which may include volatility control strategies, may </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduce our costs and risks associated with this rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">You pay an additional fee for the rider benefits which, in part, pays for </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">protecting the rider benefit base from investment losses. Since the rider benefit base does not decrease as a result of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">investment losses, volatility control strategies might not provide meaningful additional benefit to You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> You should carefully </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">evaluate with Your financial professional whether to allocate to Subaccounts that invest in underlying fund portfolios with </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">volatility control strategies, taking into consideration the potential positive or negative impact that such strategy may have on Your </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment objectives, Your Policy Value and the benefits under the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> rider. If You determine </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that underlying fund portfolios with volatility control strategies are not consistent with Your investment objectives, other </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options are available under the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> rider that do not invest in underlying fund </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolios that utilize volatility control strategies.</span></div> </div> </td> </tr> </table><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Summary</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may elect to purchase the optional Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider which provides You with both a Guaranteed Lifetime Withdrawal Benefit and a Guaranteed Minimum Accumulation Benefit. The Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider is only available during the accumulation phase and requires that You allocate a certain percentage of Your Policy Value to the Stable Account and to select Investment Options and flexible Investment Options, some of which are designed to help manage our risk and support the guarantees under the rider. The maximum issue age may be lower if required by state law. If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider You cannot elect the Retirement Income Max </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2, Retirement Income Choice </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.7 or the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 riders. The tax rules for qualified policies may limit the value of this rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note: There are Investment Restrictions associated with this benefit that can limit participation in market gains. Withdrawals taken in excess of the prescribed limits (rider withdrawal amount) will reduce the amount of the benefit and may eliminate the benefit altogether, if the amount of the excess withdrawal exceeds the Policy Value at the time of the withdrawal. The fee for the rider will not be reduced for any investment losses to Policy Value and, in fact, may be increased if there are withdrawals taken in excess of the rider withdrawal amount. Withdrawals taken while the Policy Value is greater than zero are withdrawals of the Owner’s own money (not the Company’s). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please consult a qualified financial professional before electing the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider for a qualified Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please note: For policies issued in the state of New York, Please see </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for rider availability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: This rider may not be issued to or added to Inherited IRAs (whether a qualified stretch or a 10-year delay) or a nonqualified annuity under which death benefits are being distributed under a nonqualified stretch withdrawal option. The benefits under the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider are based on our claims-paying ability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">The Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">rider may vary for certain policies and may not be available for all policies, in all states, at all times or through all financial intermediaries. We may discontinue offering this benefit at any time for new sales, which includes new sales to existing policyowners. In some cases, a benefit not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a benefit, please contact Your financial intermediary or our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider, a certain percentage of Your Policy Value on the rider date must be allocated to the Stable Account, the select Investment Options and the flexible Investment Options, as specified in the applicable Rate Sheet Prospectus Supplement. Transfers to and from the Stable Account are not permitted. Withdrawals from the Stable Account are not permitted until all other Investment Options are depleted of value. Withdrawals from the flexible Investment Options and select Investment Options, will be deducted on a pro-rata basis from each Investment Option You have allocated to. If You do not wish to maintain the required allocation percentages for the Investment Options, the rider must be terminated, subject to the termination restrictions and requirement of the rider, prior to making any transfer. Additional detail regarding the required allocation is provided in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> - Required Allocations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section, below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should view the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider as a way to permit You to invest in variable Investment Options while still having Your Policy Value and liquidity protected to the extent provided by the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You do not have any protection under the Guaranteed Minimum Accumulation Benefit unless You hold the Policy with the rider until the end of the applicable waiting period (10 or 7 years).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The longer You wait to start making withdrawals under the benefit, the less time You have to benefit from the Guaranteed Lifetime Withdrawal Benefit due to the decreasing life expectancy as You age. On the other hand, the longer You wait to begin making withdrawals, the higher Your withdrawal percentage may be, and the more opportunities You will have to lock in a high withdrawal base. Withdrawals will decrease the guarantees provided by the Guaranteed Minimum Accumulation Benefit. You should carefully consider when to begin making withdrawals. There is a risk that You will not begin making withdrawals at the most financially beneficial time for You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">All Policy Value must be allocated to the select and flexible Investment Options and the Stable Account, subject to specified allocation percentages as provided in the Rate Sheet Prospectus Supplement. You should consult with Your financial advisor to assist You in determining whether these Investment Options and required allocations are suited for Your financial needs and risk tolerance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will begin paying the rider charge as of the date the rider takes effect, even if You do not begin taking withdrawals for many years, or ever. We will not refund the charges You have paid under the rider if You never choose to take withdrawals and/or if You never receive any payments under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We have designed this rider for You to take withdrawals each rider year that are less than or equal to the rider withdrawal amount. You should not purchase this rider if You plan to take withdrawals in excess of the rider withdrawal amount because such excess withdrawals may significantly reduce or eliminate the value of the guarantees provided by the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the Guaranteed Lifetime Withdrawal Benefit under this rider is accessed through regular withdrawals that do not exceed the rider withdrawal amount, the rider may not be appropriate for You if You do not foresee a need for liquidity and Your primary objective is to take the maximum advantage of the tax deferral aspect of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any withdrawal in any rider year that is in excess of the rider withdrawal amount is an excess withdrawal. The rider year begins on the rider date and thereafter on each rider anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An excess withdrawal will impact the withdrawal base on a greater than dollar-for-dollar basis when the Policy Value, after the rider withdrawal amount is withdrawn, is less than the rider withdrawal base and may eliminate the benefits. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon receiving due proof of death of the Annuitant (or the death of the surviving spouse if the joint option is elected), the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider terminates and all benefits thereunder cease.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may terminate the rider by providing Written Notice to us requesting termination during the 30 days following the fifth rider anniversary or every fifth rider anniversary thereafter. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section, below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If Your Policy Value reaches zero, the Company may require satisfactory evidence a person is alive if a payment is based on that person being alive. For example, a notarized letter may be provided as satisfactory evidence a person is living.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The tax rules for qualified policies may limit the value of this rider. Please consult a qualified financial professional before electing the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider for a qualified Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals up to the rider withdrawal amount are not subject to an Excess Interest Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Like all withdrawals, withdrawals up to the rider withdrawal amount, while this rider is in effect also:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your Policy Value by the amount of the withdrawal;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your base Policy death benefit and other benefits;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce the Guaranteed Minimum Accumulation Benefit;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to surrender charges or Excess Interest Adjustments if the withdrawal is greater than the Surrender Charge Free Amount;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to income taxes and federal tax penalties (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">); and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be limited or restricted under certain qualified policies. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Qualified Policies</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Optional Living Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Guaranteed Minimum Accumulation Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider, we will provide a guaranteed future value. This benefit is intended to provide a level of protection regardless of the performance of the variable Investment Options You select. The level of protection under the Guaranteed Minimum Accumulation Benefit may not be 100% of Your premium payments and is only in effect for the term of the elected option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Future Value</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. We guarantee that, on the guaranteed future value date (ten, or seven years after You elect the rider, depending on the waiting period elected), Your Policy Value will at least equal Your guaranteed future value. The guaranteed future value on the rider date (i.e., the date the rider is added to the Policy) is equal to the Policy Value multiplied by the protection level percentage of the elected waiting period. After the rider date (up to and including the guaranteed future value date) the guaranteed future value is equal to:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the guaranteed future value on the rider date; plus</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a percentage of subsequent premium payments (as described below); multiplied by</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the protection level percentage; less</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">subsequent adjusted withdrawals (as described below).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Unless an optional reset is chosen, after the guaranteed future value date, the guaranteed future value equals zero and there will be no guaranteed future value adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Subsequent Premium Payments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The percentage of subsequent premium payments that will be added to the guaranteed future value is as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;empty-cells:show;margin-left:95.47pt;width:326.07pt; border-spacing: 0px;"> <tr style="height:16.5pt;"> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:61.92pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.84%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;"> </span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:133.57pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.49%;margin-right:4.49%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">10 Year</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:130.57pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.60%;margin-right:1.15%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">7 Year</span></div> </div> </div> </td> </tr> <tr style="height:30pt;"> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:61.92pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.84%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">During Rider</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Year</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:133.57pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.49%;margin-right:4.49%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Percent of subsequent premiums</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">added to guaranteed future value</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:1pt;vertical-align:Bottom;width:130.57pt;"> <div style="line-height:13pt;text-align:left;"> <div style="border-bottom:1pt solid #000000;margin-left:4.60%;margin-right:1.15%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Percent of subsequent premiums</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">added to guaranteed future value</span></div> </div> </div> </td> </tr> <tr style="height:18pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:1pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:1pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">100%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:1pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">100%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">90%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">90%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">80%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">80%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">70%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">70%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">60%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">60%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">0%</span></div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"> </div> </div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:5pt;">50%</span></div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"> </div> </div> </div> </td> </tr> <tr style="height:14.5pt;"> <td style="padding-bottom:1.5pt;padding-top:2.25pt;vertical-align:Top;width:61.92pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:133.57pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">0%</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:130.57pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:121.57pt;"> <div style="display:flex;margin:auto;width:25.44pt;"> <div style="display:flex;white-space:nowrap;width:25.44pt;"> </div> </div> </div> </td> </tr> </table><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Future Value Adjusted Withdrawals</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If You take a withdrawal, even withdrawals under the Guaranteed Lifetime Withdrawal Benefit, it will reduce Your guaranteed future value. The amount of the reduction is referred to as the adjusted withdrawal amount, which will be equal to the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the guaranteed future value immediately prior to the withdrawal multiplied by the percentage reduction in the Policy Value resulting from the gross withdrawal; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the gross withdrawal amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(The gross withdrawal amount is the amount You request, plus any surrender charges or Excess Interest Adjustment that may be applicable.)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In other words, if Your Policy Value is greater than the guaranteed future value at the time You take a withdrawal, then Your guaranteed future value is reduced by the same amount we reduce Your Policy Value. However, if Your Policy Value is less than the guaranteed future value at the time You take a withdrawal, then Your guaranteed future value will be reduced by more than the amount by which we reduce Your Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Hypothetical Adjusted Withdrawals – Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to this prospectus for examples showing the effect of hypothetical withdrawals in more detail, including withdrawals that reduce the guaranteed future value by more than the amount of the gross withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Minimum Accumulation Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. After the waiting period (ten years or seven years after You elect the rider, depending on the waiting period elected), and on the guaranteed future value date, if the Policy Value is less than the guaranteed future value, we will calculate an amount equal to the difference between Your Policy Value (the Policy Value will then be subject to investment risk) and the guaranteed future value, and this amount will be added on the guaranteed future value date. This addition will not be considered premium and will not increase Your withdrawal base or any other Policy benefits. After the guaranteed future value date, the guaranteed future value will be zero, unless an optional reset is elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Assume You are age 65 and make a single premium payment of $100,000, the guaranteed future value is $100,000 and the protection level percentage is 100%. You do not take any withdrawals or add any additional premium payments. If, on the guaranteed future value date, Your Policy Value has declined to $90,000 because of negative investment performance, then we will add $10,000 ($100,000 x 100% - $90,000) to Your Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Reset</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. On each rider anniversary, up to and including the rider anniversary on or following the Annuitant’s (or the Annuitant’s spouse’s, if older and the joint life option is elected) 85</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> birthday You may elect to reset the guaranteed future value date and the guaranteed future value once each rider year. Upon optional reset, the waiting period originally elected (ten years or seven years) will begin from the most recent rider anniversary. The guaranteed future value will be set to equal the Policy Value multiplied by the protection level percentage as of the date the reset election is processed.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your request must be received, in a manner acceptable to us, no later than 30 days following the most recent rider anniversary. The optional reset does not require termination of the existing rider. The existing rider will continue with the same rider effective date and features.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time of an optional reset the protection level percentage may be changed, but will never be less than the minimum protection level percentage disclosed. Additionally, the rider fee percentage may be changed at the time of an optional reset, but the fee percentage will never be more than the maximum fee percentage in effect when the rider was elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The optional reset will only impact the Guaranteed Minimum Accumulation Benefit and does not impact the Guaranteed Lifetime Withdrawal Benefit or any other values of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You have the right to revoke an optional reset within 30 days following the date on which the optional reset was effective, if the rider fee percentage increases beyond the rider fee percentage immediately prior to the rider anniversary, or the protection level percentage decreases. If You revoke an optional reset, You must notify us in a manner acceptable to us, however, You will remain eligible for future optional resets. If an optional reset is revoked, the guaranteed future value date, guaranteed future value, rider fee percentages and protection level percentages will be reversed to the values and dates that were in effect for Your rider immediately prior to the election of the optional reset.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Assume You are age 65 and make a single premium payment of $100,000 on January 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;"> of the current year with a 10 year waiting period. The guaranteed future value date will be set to 10 years from that date and the guaranteed future value is $100,000 assuming a protection level percentage is 100%. On the first rider anniversary, Your Policy Value has increased to $110,000 and You choose an optional reset. This results in a new guaranteed future value date 10 years from the date of the optional reset and a new guaranteed future value of $110,000 assuming the protection level percentage remains at 100%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: You do not have any protection under the Guaranteed Minimum Accumulation Benefit unless You hold the Policy with the rider until the end of the applicable waiting period. If You think that You may terminate the Policy or elect to start receiving annuity payments (or if You must begin taking required minimum distributions) before the guaranteed future value date, electing the rider may not be in Your best interests.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Guaranteed Lifetime Withdrawal Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider, You can receive up to the rider withdrawal amount each rider year. Such rider withdrawal amounts will first be made as withdrawals from Your Policy Value (excluding the Stable Account until other Investment Options are depleted of value). If Your Policy Value goes to zero by other than an excess withdrawal, rider withdrawal amounts will continue as payments from us. Rider withdrawal amounts may begin the rider year immediately following the Annuitant’s (or the Annuitant’s spouse if younger and the joint life option is elected) attainment of the minimum benefit age, and may last until the Annuitant’s (or surviving spouse’s if joint life option is elected) death unless Your withdrawal base is reduced to zero because of an “excess withdrawal.”</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below for more information. A rider year begins on the rider date (the date the rider becomes effective) and thereafter on each anniversary of that date. The withdrawal percentage that is used to determine Your rider withdrawal amount and required allocations will be disclosed in a Rate Sheet Prospectus Supplement included with Your prospectus. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Of course, You can always withdraw an amount up to Your Cash Value pursuant to Your right under the Policy although withdrawals that are excess withdrawals will reduce Your withdrawal base and future GLWBs. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Rider Withdrawal Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can withdraw up to the rider withdrawal amount in any rider year (after attainment of the minimum benefit age) from Your Policy without causing an excess withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider withdrawal amount is zero if the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has not attained the minimum benefit age on the rider date and remains zero until the first day of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age. On the first day of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age the rider withdrawal amount is equal to the withdrawal base multiplied by the withdrawal percentage. See applicable Rate Sheet Prospectus Supplement for the applicable minimum benefit age and withdrawal percentages. Surrender charges may apply if Your rider withdrawal amount exceeds Your Surrender Charge Free Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">For qualified policies:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the plan participant (generally the Annuitant) reached their </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Required Beginning Date</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, the rider withdrawal amount for that rider year (and each subsequent rider year) is equal to the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the rider withdrawal amount described above; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">an amount equal to any minimum required distribution amount, if any. For riders added on the Policy Date, the minimum required distribution during the first rider year is based on the initial premium (initial premium could include premium from transfers received after the Policy effective date, but must be deemed initial premium). For riders added after the Policy Date, if the Policy to which the rider is attached was in force on December 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of the previous year, the minimum required distribution for the first rider year is calculated using the year-end Policy Value plus any actuarial present value from the previous year. For riders added after the Policy Date and the Policy to which the rider is attached was not in force on December 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of the previous year, the minimum required distribution for the first rider year is based on the Policy Value on the rider date. The minimum required distribution is calculated based on the rules established by the IRS. The minimum required distribution may only be used if all of the following are true:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.04pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:8.96pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Policy to which this rider is attached is a tax-qualified Policy for which the IRS minimum required distributions are required,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.84pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">b.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:8.16pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions do not start prior to the Annuitant’s Required Beginning Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">c.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:9pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:10.09pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">d.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:7.91pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based on age of the living Annuitant. The minimum required distributions cannot be based on the age of someone who is deceased,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:8.96pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:9.04pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based only on the Policy to which this rider is attached,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:7.74pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">f.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:10.26pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are only for the current rider year. Amounts carried over from past rider years are not considered, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.46pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:8.54pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an excess withdrawal is taken in the previous rider year, the minimum required distribution will not be used in calculating the rider withdrawal amount. If the minimum required distribution amount (determined as set forth above) exceeds the rider withdrawal amount, the excess will be treated as an excess under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If any of the above are not true, then the minimum required distribution is equal to zero and it is not available as a rider withdrawal amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Only amounts calculated as set forth above can be used as the rider withdrawal amount. If the minimum required distribution amount (determined as set forth above) exceeds the rider withdrawal amount, the excess will not be treated as an excess withdrawal under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If Your Policy Value reaches zero:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">by means other than an excess withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, then You cannot make premium payments and all other Policy features, benefits and guarantees (except those provided by this rider) are terminated. If Your Policy Value reaches zero by means other than an excess withdrawal, and the rider remains in force, we will, unless otherwise instructed, make payments using the current payment instructions on file with us that are equal to the rider withdrawal amount divided by the frequency of payments. If the Annuitant (or younger of Annuitant or Annuitant’s spouse if the joint option is elected) has attained the minimum benefit age and a systematic payout option is not active at the time the Policy Value equals zero, a payment will be established. Unless instructed otherwise, the default frequency will be monthly, unless the amount does not meet the minimum systematic payout requirements in Your Policy. If that occurs, we reserve the right to change the frequency and amount in order to meet the minimum systematic payout requirements. If the minimum benefit age has not been attained, payments will begin on the rider anniversary following the attainment of the minimum benefit age. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be allowed. Furthermore, any remaining minimum required Cash Value will be paid on the later of the Annuitant’s or the Annuitant’s spouse’s death.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">due to an excess withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, then Your Policy will terminate resulting in the termination of this rider. An excess withdrawal that does not cause Your Policy Value to equal zero will not terminate the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the rider is added prior to the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) attaining the minimum benefit age, the rider withdrawal amount will be zero until the beginning of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age, however, You will still be charged a rider fee upon electing the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any amount withdrawn in a rider year (including any surrender charge or Excess Interest Adjustment) in excess of the rider withdrawal amount is an excess withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider year begins on the rider date and thereafter on each rider anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You cannot carry over any portion of Your rider withdrawal amount that is not withdrawn during a rider year for withdrawal in a future rider year. This means that if You do not take the entire rider withdrawal amount during a rider year, You cannot take more than the rider withdrawal amount in the next rider year and maintain the riders’ guarantees.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not refund charges that have been paid up to the point of terminating the Policy or receiving annuity payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess withdrawals may cause You to lose the benefit of the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The select and flexible Investment Options may be changed by us in the future. Any changes to investment allocation requirements will not affect existing Policy Owners with an active rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals under the Guaranteed Lifetime Withdrawal Benefit also:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your Policy Value;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce the guaranteed future value;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your death benefit and other benefits;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to surrender charges or Excess Interest Adjustments if the withdrawal is greater than the Surrender Charge Free Amount;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to income taxes and federal tax penalties (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please note: For policies issued in the state of New York, Please see </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for rider availability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Rate Sheet Prospectus Supplement</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages are disclosed in the Rate Sheet Prospectus Supplement. We periodically issue new Rate Sheet Prospectus Supplements that may reflect different rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages than the previous Rate Sheet Prospectus Supplements. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages set forth in the Rate Sheet Prospectus Supplement may not be superseded or changed until a new Rate Sheet Prospectus Supplement is filed at least 10 Business Days prior to the effective date of the new Rate Sheet Prospectus Supplement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued as part of the new Policy application process</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order to receive the applicable rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages, Your application must be signed while the Rate Sheet Prospectus Supplement is effective, we must receive Your completed application within 7 calendar days from the date that the supplement is no longer effective, and the Policy must be funded within 60 calendar days from the date that the supplement is no longer effective. If these conditions are not met, Your application will be considered not in good order and additional paperwork may be required to issue the Policy with the applicable rates in effect at that time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued to existing Policy Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order to receive the applicable rider fee percentages, valuation frequency, minimum benefit age, protection level percentage, required allocations and withdrawal percentages age, Your rider election form must be signed and received in good order while the Rate Sheet Prospectus Supplement is in effect. If Your rider election form is received in good order after the Rate Sheet Prospectus Supplement is no longer in effect, You will receive the rider terms that are in effect on the date Your rider election form is received in good order. Election forms must be received in good order while the New York Stock Exchange is open for regular trading to get same-day pricing of the transaction. Election forms received in good order on non-Business Days or after our close of business will get next-day pricing.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Percentage</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the withdrawal percentage to calculate the rider withdrawal amount. The withdrawal percentage is determined by the Annuitant’s age (or the Annuitant's spouse's age if younger and the joint life option is elected) at the time of the first withdrawal taken on or after the rider anniversary immediately following the Annuitant’s (or the Annuitant's spouse's if younger and the joint life option is elected) attainment of the minimum benefit age.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal percentage is disclosed in the Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Once established, the withdrawal percentage will not change except in certain instances involving automatic step-ups. Withdrawal percentages will change when an automatic step-up occurs and You had crossed into another age band prior to the automatic step-up, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the withdrawal base to calculate the rider withdrawal amount and the rider fee. The withdrawal base on the rider date is the Policy Value. During any rider year, the withdrawal base is equal to the withdrawal base on the rider date or most recent rider anniversary, plus subsequent premium payments, less subsequent withdrawal base adjustments due to excess withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the withdrawal base will equal the greatest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1. the current withdrawal base;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2. the Policy Value on the rider anniversary; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3. the highest Policy Value in the previous year based on the valuation frequency. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Automatic Step-Up below).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Item 3 above will be zero if there have been any excess withdrawals in the current rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> which illustrates the hypothetical example of the withdrawal base calculation.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We determine the withdrawal base solely to calculate the rider withdrawal amount and rider fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your withdrawal base is not a Cash Value, a surrender value, or a death benefit. It is not available for withdrawal, it is not a minimum return for any Subaccount, and it is not a guarantee of Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the withdrawal base is generally equal to the Policy Value on the rider date, the rider withdrawal amount may be lower if You delay electing the rider and the Policy Value decreases before You elect the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary the rider will receive an automatic step-up if the withdrawal base is set equal to item 2 or 3 from </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section above. If neither value is greater than the current withdrawal base no automatic step-up will occur. If the withdrawal percentage has been established due to a previous withdrawal, the withdrawal percentage (as indicated in the Rate Sheet Prospectus Supplement) will increase if You have crossed into another age band prior to the automatic step-up. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC). Please note, the increase is part of the automatic step-up and if no automatic step-up occurs then there will be no withdrawal percentage increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the rider fee percentage may increase (or decrease) at the time of any automatic step-up. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up Opt Out</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Each time an automatic step-up results in a rider fee percentage increase, You have the option to reject the automatic step-up and reinstate the withdrawal base, withdrawal percentage, and rider fee percentage to their respective amounts immediately before the automatic step-up, provided that You do so within 30 days after the rider anniversary on which the automatic step-up occurred. Changes as a result of the automatic step-up feature will be reversed. We must receive Your rejection (each time You elect to opt out), in good order, at our Administrative Office within the same 30 day period after the rider anniversary on which the automatic step-up occurred. You are not subject to fee increases for any automatic step-up that You opted out of. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Opting out of one step-up does not operate as an opt-out of any future step-ups</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cumulative gross withdrawals up to the rider withdrawal amount in any rider year will not reduce the withdrawal base. Any amount of gross withdrawals in excess of the rider withdrawal amount in any rider year (“excess withdrawals”) will reduce the withdrawal base, however, by the greater of the dollar amount of the excess withdrawal (if the Policy Value is greater than the withdrawal base) or a pro rata amount (in proportion to the reduction in the Policy Value when the Policy Value is less than the withdrawal base), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">possibly to zero</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If an excess withdrawal reduces the Policy Value to zero, this rider will terminate. Withdrawal base adjustments occur immediately following excess withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail, including an excess withdrawal that reduces the withdrawal base by a pro rata amount. The effect of an excess withdrawal is amplified if the Policy Value is less than the withdrawal base.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: You retain all responsibility for monitoring excess withdrawals. If You take regular or scheduled withdrawals please pay particular attention to any excess withdrawal because Your regular or scheduled withdrawals may thereafter all be excess withdrawals that reduce or eliminate Your benefit on an accelerated basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;text-decoration:underline;">Example</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">. Assume You are the Owner and Annuitant and You make a single premium payment of $100,000 when You are 66 years old. Further assume that You do not take any withdrawals or add any additional premium payments, and no automatic step-ups occurred, but that after six years Your Policy Value has declined to $90,000 solely because of negative investment performance. You could receive up to $6,000 each rider year for the rest of Your life based on an assumed withdrawal percentage of 6.0% for the single life option multiplied by an assumed withdrawal base of $100,000 and assuming that:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You take Your first withdrawal when You are age 72;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You do not withdraw more than the rider withdrawal amount in any one year; and;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">there are no future automatic step-ups.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;text-decoration:underline;">Example continued</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">. Assume the same facts as above, but You withdraw $10,000 when You are 72 years old. That excess withdrawal decreases Your future rider withdrawal amount to $5,714.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the withdrawal ($10,000) is in excess of the rider withdrawal amount ($6,000) it impacts the withdrawal base on a greater than dollar-for-dollar basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Adjusted Withdrawal = Excess Withdrawal Amount * Withdrawal Base prior to the withdrawal / Policy Value after the Rider Withdrawal Amount but prior to the Excess Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess withdrawal amount $10,000 - $6,000 = $4,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawal base = $100,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Value after the rider withdrawal amount but prior to the excess withdrawal amount $90,000 - $6,000 = $84,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Adjusted withdrawal = $4,000 * $100,000 / $84,000 = $4,761.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">New withdrawal base $100,000 - $4,761.90 = $95,238.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">New rider withdrawal amount $95,238.10 * 6% = $5,714.29</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Required Allocations</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect this rider, a certain percentage of Your Policy Value on the rider date must be allocated to the Stable Account, the select Investment Options and the flexible Investment Options, in accordance with the percentages specified in the Required Allocations for Premium Payments table contained in the Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). After the rider date, the allocation of all subsequent premium payments must also comply with the required allocations for premium payments table contained in the Rate Sheet Prospectus Supplement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition, if You elect this rider, any transfers to and from the select Investment Options and the flexible Investment Options must comply with the required allocation percentages for rebalancing specified in the Rate Sheet Prospectus Supplement in effect at the time You elect this rider. Any transfers to and from the select Investment Options and flexible Investment Options will be validated using the prior day’s Policy Values to ensure compliance with the required allocation percentages for rebalancing at the time of the request. Transfer requests that do not comply with the required allocation percentages for rebalancing will be deemed not in good order. Changes in Policy Values due to market movements on other dates will not be treated as a violation of the required allocations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transfers to and from the Stable Account (described below) are not permitted. Withdrawals from the Stable Account are not permitted until all other Investment Options are depleted of value. Withdrawals from the flexible Investment Options and select Investment Options will be deducted on a pro-rata basis. If You do not wish to maintain the applicable required allocation percentages, the rider must be terminated, subject to the rider termination restrictions and requirements, prior to making any transfer. The rider will terminate on the date we receive Written Notice from You requesting termination if such notice is received by us during the 30 days following the fifth rider anniversary or any fifth rider anniversary thereafter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Enrollment in dollar cost averaging is not available while this rider is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">The Stable Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Stable Account is a Fixed Account option under Your Policy. Premium payments allocated and amounts transferred to the Stable Account become part of our general account. Interests in the general account have not been registered under the 1933 Act, nor is the general account registered as an investment company under the 1940 Act. Accordingly, neither the general account nor any interests therein are generally subject to the provisions of the 1933 or 1940 Acts. Disclosures relating to interests in the general account are, however, subject to certain generally applicable provisions of the federal securities laws relating to the accuracy of statements made in a registration statement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allocations applied to the Stable Account will be credited interest based on a fixed rate. The interest rates will be applied in increments of at least one year measured from each premium payment date and will automatically renew and remain in the Stable Account. The interest credited to the Stable Account will not be less than the guaranteed minimum effective annual interest rate shown on Your rider pages (the “guaranteed minimum”). We determine credited rates, which are guaranteed for at least one year, in our sole discretion. You bear the risk that we will not credit interest greater than the guaranteed minimum.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals, surrenders, or transfers (upon termination) from the Stable Account will not be subject to an Excess Interest Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon termination of the rider, all amounts in the Stable Account will be transferred to the money market Subaccount available under Your Policy and no additional premium payments will be allowed into the Stable Account. Owners are permitted to provide instructions as to the allocation of the Stable Account proceeds contained in the money market Subaccount to one or more Subaccounts, but such instructions will not be effective prior to the Business Day after rider termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We guarantee that upon full surrender Your Cash Value attributable to the Fixed Account will not be less than the amount required by the applicable state nonforfeiture law at the time the Policy is issued.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Select and Flexible Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. As described above, if You elect this rider, You must allocate a certain percentage of Your premium payments and Policy Value to the available flexible Investment Options and select Investment Options. A complete listing of Investment Options designated as flexible Investment Options and select Investment Options appears in the “Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 Investment Options”. You will be notified if there are changes made to the Investment Options within the designated group. Requiring that You allocate a certain percentage of Your </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">premium payments and Policy Value to the designated Investment Options, some of which invest in underlying fund portfolios that employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to use our own assets to pay amounts due under this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Rebalancing</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. While this rider is effective, quarterly rebalancing is required and will take place at the end of each rider quarter on the same date Your rider fee is deducted. If the day rebalancing takes place is not a Business Day, the value of the Accumulation Units redeemed or purchased due to rebalancing will be determined as of the next Business Day. We will automatically transfer amounts among Subaccounts according to the most recent rebalancing allocation instructions on file that comply with the required allocations for rebalancing. On the rider date, Your rebalancing allocation instructions will be established using a ratio of Your current investment allocation instructions for new premium payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will be notified in writing that the required rebalance has been set up, and what the calculated rebalance allocation percentages are prior to the first quarter rebalancing. You may request changes to Your rebalancing allocation instructions before the prior instructions are implemented if we receive notice of Your request in good order prior to the close of the New York Stock Exchange on the day the rebalance is processed. Your rebalancing allocation instructions will be established using a ratio of Your current investment allocation instruction for new premium payments. You may request changes to Your rebalancing allocation instructions while this rider remains effective as long as they comply with the required allocations for rebalancing. Rebalancing will not cease upon the request of any transfer.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Guaranteed Lifetime Withdrawal Benefit - Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 and Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> - Rebalancing Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> which illustrates the initial calculation of rebalancing allocation percentages as well as the rebalancing process.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You do not wish to maintain the required allocations, the rider must be terminated, subject to the rider termination restrictions and requirements, prior to making any transfer. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> Rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, below.)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the list of designated flexible and select investment groups at any time. Any changes to investment allocation requirements will not affect Policy Owners with an active rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an underlying fund portfolio informs us that a portfolio will be liquidated or reorganized, we can eliminate the corresponding select or flexible Investment Option. If this occurs, You will be required to reallocate values in the affected Investment Option to other flexible and select Investment Options in order to meet the allocation requirements. We will provide notice to You if a select or flexible Investment Option will be eliminated and reallocation is required. If You do not provide us with new instructions in the time specified in our notice, we will move Your money in the affected option to the money market Subaccount to the extent permitted by applicable law.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> - Joint Life Option</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider, then You can also elect to postpone termination of the rider until the later of the Annuitant or Annuitant’s spouse’s death (only if the Annuitant’s spouse is eligible to and elects to continue the Policy, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Tax Status of a Nonqualified Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> - Distribution Requirements). If You elect the Joint Life option, then the withdrawal percentage used to calculate the rider withdrawal amount may be lower than under the single life option. The withdrawal percentage that is used to determine Your rider withdrawal amount will be disclosed in a Rate Sheet Prospectus Supplement included with Your prospectus. This option may not be permitted in the case of certain non-natural Owners. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note: If You elect this option:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal percentage for each “age at the time of the first withdrawal” may be lower if You elect the joint life option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee may be greater if You elect the joint life option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant's spouse (or in certain instances a non-natural entity acting for the benefit of the Annuitant's spouse) must be either a joint Owner along with the Annuitant or the sole primary beneficiary (and there is no joint Owner). (Please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Spousal Continuation</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for more detail regarding Annuitant's spouse).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A former spouse of the Annuitant cannot continue to keep the Policy in force if no longer married to the Annuitant at the time of the Annuitant's death. In that event, the rider will terminate and no additional withdrawals under the rider will be permitted.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant’s spouse for purposes of this rider cannot be changed to a new spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider withdrawal percentage is based on the age of the younger of the Annuitant and Annuitant’s spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider’s issue ages may vary if You elect this option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:13.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> Fees</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee is deducted at the end of each successive rider quarter, on the same day of the month as the rider date. If a day does not exist in a given month, the first day of the following month will be used. If a rider fee is deducted from a Subaccount on a day which is not a Business Day, the value of Accumulation Units redeemed will be determined as of the next Business Day. The rider fee is calculated and stored at issue and at each subsequent rider quarter for the upcoming quarter. The rider fee will be adjusted for additional premium payments, excess withdrawals and optional resets of the Guaranteed Future Value made during the rider quarter. The fee may also be adjusted for non-excess withdrawals made during the rider quarter. It will be deducted automatically from the flexible Investment Options and the select Investment Options on a pro rata basis at the end of each rider quarter. After those Investment Options are depleted of value, the rider fee will be deducted from the Stable Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentage may change after the first rider anniversary due to an automatic step-up or election of the optional reset. Your rider fee may increase (or decrease) at the time of any automatic step-up or optional reset. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Reset</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> sections. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider. The current rider fee percentage will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued as part of the new Policy application process</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order for the rider percentage fee disclosed in the applicable Rate Sheet Prospectus supplement to apply, Your application must be signed on or after the date set forth in the applicable Rate Sheet Prospectus Supplement and must be received in good order within 7 calendar days and funded within 60 calendar days from the date the Rate Sheet Prospectus Supplement is no longer in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued to existing Policy Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order for the rider fee percentage disclosed in the application Rate Sheet Prospectus Supplement to apply, Your rider election form must be signed and received while the applicable Rate Sheet Prospectus Supplement is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should not elect this rider without first obtaining the applicable Rate Sheet Prospectus Supplement. You can contact us at (800)525-6205 to receive a Rate Sheet Prospectus Supplement applicable to You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On an annual basis, in general terms, the rider fee is the rider fee percentage multiplied by the rider fee basis. The rider fee basis is the greater of the withdrawal base and the guaranteed future value. Specifically, the quarterly fee is calculated by multiplying (A) by (B) by (C), where:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(A)</span></div><div style="float:left;line-height:12pt;margin-left:23.37pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee basis;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.45pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(B)</span></div><div style="float:left;line-height:12pt;margin-left:23.55pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee percentage; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:13.36pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(C)</span></div><div style="float:left;line-height:12pt;margin-left:22.64pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the number of days in the rider quarter divided by the total number of days in the applicable rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following example uses these assumed values: Rider Fee Basis = Maximum of Withdrawal Base of $100,000 and Guaranteed Future Value of $105,000; Rider Fee percentage = 1.40%; and 91 total days in the rider quarter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation at rider issue for first quarter rider fee. The rider fee is:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 105,000*0.0140*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 1,470*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $366.49</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A portion of the rider fee will be assessed upon full surrender of the Policy or other termination of the rider. The quarterly fee will be adjusted based on the number of days remaining until the end of the next rider quarter and ending on the date of termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the rider fee percentage may increase (or decrease) at the time of an automatic step-up or at election of an optional reset. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Reset</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider. The current rider fee will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). Please contact Your financial intermediary or call our Administrative Office to determine whether the Rate Sheet Prospectus Supplement has been amended.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each time an optional reset results in a rider fee percentage increase, You will have the option to reject the automatic step-up and reinstate the withdrawal base, withdrawal percentages and rider fee percentage to their respective amounts immediately before the automatic step-up (adjusted for any subsequent premium payments or withdrawals), provided that You do so within 30 calendar days after the rider anniversary on which the automatic step-up occurred. We must receive Your rejection, in good order, at our Administrative Office within the 30 day period after the rider anniversary on which the automatic step-up occurred.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each time an automatic step-up results in a rider fee percentage increase beyond the rider fee percentage immediately prior to the rider anniversary, You will have the option to revoke the optional reset and reinstate the guaranteed future value date, guaranteed future value, rider fee percentages and protection level percentages to their respective values and dates that were in effect immediately prior to the election of the optional reset, provided You do so within 30 days following the date on which the optional reset was effective. We must receive Your revocation, in a manner acceptable to us, within the 30 day period following the date on which the optional reset was effective.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note regarding the rider fee:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the rider fee is a percentage of the rider fee basis and the rider fee basis is the greater of the withdrawal base and the guaranteed future value, the rider fee could be a much higher percentage of Your Policy Value, particularly in the event that Your Policy Value decreases significantly.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the rider fee is a percentage of the rider fee basis, and the rider fee basis is the greater of the withdrawal basis and the guaranteed future value, the amount of the rider fee we deduct will increase if the withdrawal base or guaranteed future value increases (although the percentage(s) may remain the same).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Rider Fee Adjustment for Premium Payments, Excess Withdrawals and Optional Resets</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. A rider fee adjustment will be calculated for subsequent premium payments and excess withdrawals and optional resets of the guaranteed future value made during the rider quarter, because these events will change the withdrawal base and guaranteed future value. The rider fee adjustment may be positive or negative and will be added to or subtracted from the rider fee to be collected. The fee may be adjusted for non-excess withdrawals made during the rider quarter.</span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee adjustment is calculated by multiplying (A) by (B) by (C) where:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(A)</span></div><div style="float:left;line-height:12pt;margin-left:23.37pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee basis change (i.e. rider fee basis after the transaction minus the rider fee basis before the transaction);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.45pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(B)</span></div><div style="float:left;line-height:12pt;margin-left:23.55pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee percentage; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:13.36pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(C)</span></div><div style="float:left;line-height:12pt;margin-left:22.64pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the number of days remaining in the rider quarter divided by the total number of days in the applicable rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following example uses these assumed values: All initial values as in Example 1; Subsequent Premium = $10,000; and 20 remaining days in the rider quarter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for first quarter rider fee adjustment for a subsequent premium. The fee adjustment is:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 10,000*0.0140*(20/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 140*(20/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $7.67</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Total fee assessed at the end of the first rider quarter (assuming no further rider fee adjustments):</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 366.49 + 7.627</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $374.16</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following two examples use assumed fees and values. The assumed rider year is not a leap year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for second quarter fee at beginning of second rider quarter assuming rider fee basis of $115,000 (maximum of Withdrawal Base of $110,000 and Guaranteed Future Value of $115,000) and a fee percentage of 1.40%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 115,000*0.0140*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 1,610*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $401.40</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 4</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for second quarter fee and an excess withdrawal that results in a pro-rata reduction in the withdrawal base and guaranteed future value. Assuming beginning values as in example 3, plus adjustment for gross withdrawal of $10,000 taken with 40 days remaining in the second rider quarter. Assumes withdrawal percentage of 5% of Policy Value of $93,500 prior to the transaction and change in rider fee basis as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Withdrawal Base Adjustment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Rider Withdrawal Amount (RWA) = Withdrawal Base * Withdrawal Percentage = $110,000 * .05 = $5,500 <br/>Excess Withdrawal = Difference between assumed withdrawal amount and RWA = $10,000 - $5,500 = $4,500 <br/>Withdrawal Base Adjustment = Maximum of Excess Withdrawal and Pro-Rata Withdrawal Amount (Excess Withdrawal * Withdrawal Base prior to withdrawal/Policy Value after RWA has been withdrawn but before excess withdrawal) = Maximum of $4,500 * $110,000/ ($93,500 - $5,500)) = Maximum of $4,500 and $5,625 = $5,625 <br/>The new withdrawal base = $110,000 - $5,625 = $104,375</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Guaranteed Future Value Adjustment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Guaranteed Future Value Adjustment = Maximum of Gross Withdrawal amount and Pro-Rata Withdrawal Amount (Gross Withdrawal * Guaranteed Future Value prior to withdrawal/Policy Value prior to withdrawal) = Maximum of $10,000 * $115,000/ $93,500) = Maximum of $10,000 and $12,299.47 = $12,299.47 <br/>The new guaranteed future value = $115,000 - $12,299.47 = $102,700.53</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Rider Fee Basis after the transaction = Maximum of the Withdrawal Base after the transaction ($104,375) or the Guaranteed Future Value after the transaction ($102,700.53) = $104,375, minus maximum of the Withdrawal Base before the transaction ($110,000) or the Guaranteed Future Value before the transaction ($115,000 ($104,375 - $115,000) = $-10,625.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fee adjustment as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-10,625 * 0.0140 * (40/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-148.75 * (40/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-16.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The total fee assessed at the end of the second rider quarter (assuming no further rider fee adjustments):</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $401.40 - $16.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $385.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> Issue Requirements</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not issue the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider if:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant is age 86 or older (lower if required by state law); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in New York, the Annuitant is younger than the applicable minimum age; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant is not an Owner (except in the case of non-natural Owners); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">there are more than two Owners.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Furthermore, if the joint life option is elected, we will not issue the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider if:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is 86 or older (lower if required by state law); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in New York, the Annuitant’s spouse is younger than the applicable minimum age; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is not a joint Owner along with the Annuitant; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is not the sole primary beneficiary (and there is no joint Owner).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The use of joint life option may not be permitted in the case of certain non-natural Owners.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rider will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date we receive Written Notice from You requesting termination of the rider if such notice is received before midnight of the 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> calendar day after You receive the rider;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date we receive Written Notice from You in good order requesting termination of the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">rider if such notice is received by us during the 30 days following the fifth rider anniversary and every fifth rider anniversary thereafter;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date of Annuitization (however, if You have reached Your maximum Annuity Commencement Date You may choose an Annuitization option which guarantees You lifetime payments in an amount equal to Your rider withdrawal amount);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">on or after the Policy Value reaching zero, the date of the Annuitant’s death (or if the joint life option is elected, the later of the Annuitant’s or Annuitant’s spouse’s death);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date the Policy to which this rider is attached changes ownership or assignment which violates the Owner and Annuitant relationship requirements contained in the rider;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date an excess withdrawal reduces Your Policy Value to zero;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">prior to the Policy Value reaching zero, the date on which we receive in good order, required information to process a death claim for the Annuitant (or if the joint life option is elected, the later of the Annuitant’s or Annuitant’s spouse’s death); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">termination of Your Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This rider terminates upon Annuitization and there is a maximum Annuity Commencement Date at which time Your Policy will be Annuitized according to its terms. However, if You have reached Your maximum Annuity Commencement Date, we will allow You to Annuitize Your Policy and elect to receive lifetime annuity payments which are at least equal to Your rider withdrawal amount. Please contact us for more information concerning Your options.</span></div> <div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Top;width:517pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You elect the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider identified below, which provides certain guaranteed benefits, the Company </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">requires a certain percentage of Your Policy Value to be allocated to the Stable Account, with the remainder to be allocated to the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">select Investment Options and flexible Investment Options. One or more of the select Investment Options and flexible Investment </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options may include a volatility control strategy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Volatility control strategies, in periods of high market volatility, could limit </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Your participation in market gains; this may conflict with Your investment objectives by limiting Your ability to maximize </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">potential growth of Your Policy Value and, in turn, the value of any guaranteed benefit that is tied to investment </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Volatility control strategies are intended to help limit overall volatility and reduce the effects of significant market </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">downturns during periods of high market volatility, providing Policy Owners with the opportunity for smoother performance and </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">better risk adjusted returns. Volatility control (and similar terms) can encompass a variety of investment strategies of different </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">types and degrees; therefore, You should read the applicable annuity and underlying fund portfolio prospectuses carefully to </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">understand how these investment strategies may affect Your Policy Value and rider benefits. The Company’s requirement to invest </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in accordance with the required allocations, which may include volatility control strategies, may reduce our costs and risks </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">associated with this rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">You pay an additional fee for the rider benefits which, in part, pay for protecting the rider benefit </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">base from investment losses. Since the rider benefit base does not decrease as a result of investment losses, volatility control </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">strategies might not provide meaningful additional benefit to You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> You should carefully evaluate with Your financial </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">professional whether to allocate to Subaccounts that invest in underlying fund portfolios with volatility control strategies, taking </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">into consideration the potential positive or negative impact that such strategy may have on Your investment objectives, Your Policy </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value and the benefits under the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider. If You determine that underlying fund portfolios with </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">volatility control strategies are not consistent with Your investment objectives, other Investment Options are available under the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 rider that do not invest in underlying fund portfolios that utilize volatility control strategies.</span></div> </div> </td> </tr> </table><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Summary</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may elect to purchase the optional Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider, which provides You with: (1) a Guaranteed Lifetime Withdrawal Benefit; and (2) an opportunity for increases in the rider withdrawal amount. This rider is available during the accumulation phase, and requires that You allocate a certain percentage of Your Policy Value to the Stable Account and to select Investment Options and flexible Investment Options some of which are designed to help manage our risk and support the guarantees under the rider. If you elected the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider You cannot elect the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, Retirement Income Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.7 or Retirement Income Max</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 riders. The tax rules for qualified policies may limit the value of this rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note: There are Investment Restrictions associated with this benefit that can limit participation in market gains. Withdrawals taken in excess of the prescribed limits (rider withdrawal amount) will reduce the amount of the benefit and may eliminate the benefit altogether, if the amount of the excess withdrawal exceeds the Policy Value at the time of the withdrawal. The fee for the rider will not be reduced for any investment losses to Policy Value and, in fact, may be increased if there are withdrawals taken in excess of the rider withdrawal amount. Withdrawals taken while the Policy Value is greater than zero are withdrawals of the Owner’s own money (not the Company’s). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please consult a qualified financial professional before electing the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider for a qualified Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This rider may not be issued or added to Inherited IRAs (whether a qualified stretch or a 10-year delay) or a nonqualified annuity under which death benefits are being distributed under a nonqualified stretch withdrawal option. The benefits under the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider are based on our claims-paying ability.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">The Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;"> 1.2 rider may vary for certain policies and may not be available for all policies, in all states, at all times or through all financial intermediaries. We may discontinue offering this benefit at any time for new sales, which includes new sales to existing policyowners. In some cases, a benefit not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a benefit, please contact Your financial intermediary or our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider, You can receive up to the rider withdrawal amount each rider year. Such rider withdrawal amounts will first be made as withdrawals from Your Policy Value (excluding the Stable Account until other Investment Options are depleted of value). If Your Policy Value goes to zero by means other than an excess withdrawal, rider withdrawal amounts will continue as payments from us. Rider withdrawal amounts may begin the rider year immediately following the Annuitant’s (or Annuitant’s spouse if younger and the joint life option is elected) attainment of the minimum benefit age, and may last until the Annuitant’s (or surviving spouse’s if joint life option is elected) death unless Your withdrawal base is reduced to zero because of an “excess withdrawal.” See Withdrawal Base Adjustments section below for more information. A rider year begins on the rider date (the date the rider becomes effective) and thereafter on each anniversary of that date. The withdrawal percentage that is used to determine Your rider withdrawal amount and required allocations will be disclosed in a Rate Sheet Prospectus Supplement included with Your prospectus. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Of course, You can always withdraw an amount up to Your Cash Value pursuant to Your rights under the Policy although withdrawals that are excess withdrawals will reduce Your withdrawal base and future GLWBs. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals - Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider, a certain percentage of Your Policy Value on the rider date must be allocated to the Stable Account, the select Investment Options and the flexible Investment Options, as specified in the applicable Rate Sheet Prospectus Supplement. Transfers to and from the Stable Account are not permitted. Withdrawals from the Stable Account are not permitted until all other Investment Options are depleted of value. Withdrawals from the flexible Investment Options and select Investment Options will be deducted on a pro-rata basis from each Investment Option You have allocated to. If You do not wish to maintain the required allocation percentages for the Investment Options, the rider must be terminated, subject to the termination restrictions and requirements of the rider, prior to making any transfer. Additional detail regarding the required allocations is provided in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Required Allocations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section, below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will begin paying the rider charge as of the rider date, even if You do not begin taking withdrawals for many years. We will not refund the charges You have paid under the rider if You never choose to take withdrawals and/or if You never receive any payments under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We have designed this rider to allow for withdrawals from Your Policy Value each rider year that are less than or equal to the rider withdrawal amount. You should not purchase this rider if You plan to take withdrawals in excess of the rider withdrawal amount, because such excess withdrawals may significantly reduce or eliminate the value of the guarantee provided by the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The longer You wait to start making withdrawals under the benefit, the less time You have to benefit from the guarantee because of decreasing life expectancy as You age. On the other hand, the longer You wait to begin making withdrawals, the higher Your withdrawal percentage may be, and the more opportunities You will have to lock in a higher withdrawal base. You should carefully consider when to begin making withdrawals. There is a risk that You will not begin making withdrawals at the most financially beneficial time for You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the Guaranteed Lifetime Withdrawal Benefit under this rider is accessed through regular withdrawals that do not exceed the rider withdrawal amount, the rider may not be appropriate for You if You do not foresee a need for liquidity and Your primary objective is to take maximum advantage of the tax deferral aspect of the Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">All Policy Value must be allocated to the select and flexible Investment Options and the Stable Account, subject to specified allocation percentages as provided in the Rate Sheet Prospectus Supplement. You should consult with Your financial professional to assist You in determining whether these Investment Options and required allocations are suited for Your financial needs and risk tolerance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any withdrawal in any rider year that is in excess of the rider withdrawal amount (including any surrender charge or Excess Interest Adjustment) is an excess withdrawal. The rider year begins on the rider date and thereafter on each rider anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An excess withdrawal will impact the withdrawal base on a greater than dollar-for-dollar basis when the Policy Value, after the rider withdrawal amount is withdrawn, is less than the rider withdrawal base and may eliminate the benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon receiving due proof of death of the Annuitant (or the death of the surviving spouse if the joint option is elected), the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider terminates and all benefits thereunder cease.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may terminate the rider by providing Written Notice to us requesting termination during the 30 days following the fifth rider anniversary or every fifth rider anniversary thereafter. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section, below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If Your Policy Value reaches zero, the Company may require satisfactory evidence a person is alive if a payment is based on that person being alive. For example, a notarized letter may be provided as satisfactory evidence a person is living.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not refund charges that have been paid up to the point of terminating the Policy or receiving annuity payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The tax rules for qualified policies may limit the value of this rider. Please consult a financial professional before electing the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider for a qualified Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals up to the rider withdrawal amount are not subject to an Excess Interest Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Like all withdrawals, withdrawals up to the rider withdrawal amount, while this rider is in effect also:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your Policy Value by the amount of the withdrawal;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce Your base Policy death benefit and other benefits;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to surrender charges if the withdrawal is greater than the Surrender Charge Free Amount;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be subject to income taxes and federal tax penalties (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">); and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">may be limited or restricted under certain qualified policies. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Qualified Policies</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optional Living Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Rider Withdrawal Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can withdraw up to the rider withdrawal amount in any rider year (after attainment of the minimum benefit age) from Your Policy Value without causing an excess withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider withdrawal amount is zero if the Annuitant (or the Annuitant's spouse if younger and the joint life option is elected) has not attained the minimum benefit age on the rider date and remains zero until the first day of the rider year after the Annuitant (or the Annuitant's spouse if younger and the joint life option is elected) has attained the minimum benefit age. On the first day of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age the rider withdrawal amount is equal to the withdrawal base multiplied by the withdrawal percentage. See applicable Rate Sheet Prospectus Supplement for additional information. Surrender charges may apply if Your rider withdrawal amount exceeds Your Surrender Charge Free Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">For qualified policies:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the plan participant (generally the Annuitant) reached their </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Required Beginning Date</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, the rider withdrawal amount for that rider year (and each subsequent rider year) is equal to the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the rider withdrawal amount described above; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">an amount equal to any minimum required distribution amount, if any. For riders added on the Policy Date, the minimum required distribution during the first rider year is based on the initial premium (initial premium could include premium from transfers received after the Policy effective date, but must be deemed initial premium). For riders added after the Policy Date, if the Policy to which the rider is attached was in force on December 31st of the previous year, the minimum required distribution for the first rider year is calculated using the year-end Policy Value plus any actuarial present value from the previous year. For riders added after the Policy Date and the Policy to which the rider is attached was not in force on December 31st of the previous year, the minimum required distribution for the first rider year is based on the Policy Value on the rider date. The minimum required distribution is calculated based on the rules established by the IRS. The minimum required distribution may only be used if all of the following are true:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.04pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:8.96pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Policy to which this rider is attached is a tax-qualified Policy for which the IRS minimum required distributions are required,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.84pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">b.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:8.16pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions do not start prior to the Annuitant’s Required Beginning Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">c.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:9pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:10.09pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">d.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:7.91pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based on age of the living Annuitant. The minimum required distributions cannot be based on the age of someone who is deceased,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:8.96pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:9.04pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are based only on the Policy to which this rider is attached,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:7.74pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">f.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:10.26pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the minimum required distributions are only for the current rider year. Amounts carried over from past rider years are not considered, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:9.46pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:8.54pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if an excess withdrawal is taken in the previous rider year, the minimum required distribution will not be used in calculating the rider withdrawal amount. If the minimum required distribution amount (determined as set forth above) exceeds the rider withdrawal amount, the excess will not be treated as an excess withdrawal under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If any of the above are not true, then the minimum required distribution is equal to zero and it is not available as a rider withdrawal amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Only amounts calculated as set forth above can be used as the rider withdrawal amount. If the minimum required distribution amount (determined as set forth above) exceeds the rider withdrawal amount, the excess will not be treated as an excess withdrawal under the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If Your Policy Value reaches zero:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">by means other than an excess withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, then You cannot make premium payments and all other Policy features, benefits and guarantees (except those provided by this rider) are terminated. If Your Policy Value reaches zero by means other than an excess withdrawal, and the rider remains in force, we will, unless otherwise instructed, make payments using the current payment instructions on file with us that are equal to the rider withdrawal amount divided by the frequency of payments. If the Annuitant (or younger of Annuitant or Annuitant’s spouse if the joint option is elected) has attained the minimum benefit age and a systematic payout option is not active at the time the Policy Value equals zero, a payment will be established. Unless instructed otherwise, the default frequency will be monthly, unless the amount does not meet the minimum systematic payout requirements in Your Policy. If that occurs, we reserve the right to change the frequency and amount in order to meet the minimum systematic payout requirements. If the minimum benefit age has not been attained, payments will begin on the rider anniversary following the attainment of the minimum benefit age.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">due to an excess withdrawal</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, then Your Policy will terminate resulting in the termination of this rider. An excess withdrawal that does not cause Your Policy Value to equal zero will not terminate the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the rider is added prior to the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) having attained the minimum benefit age, the rider withdrawal amount will be zero until the beginning of the rider year after the Annuitant (or the Annuitant’s spouse if younger and the joint life option is elected) has attained the minimum benefit age birthday, however, You will still be charged a rider fee upon electing the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider year begins on the rider date and thereafter on each rider anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You cannot carry over any portion of Your rider withdrawal amount that is not withdrawn during a rider year for withdrawal in a future rider year. This means that if You do not take the entire rider withdrawal amount during a rider year, You cannot take more than the rider withdrawal amount in the next rider year and maintain the rider's guarantees.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess withdrawals may cause You to lose the benefit of the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any amount withdrawn in a rider year (including any surrender charge, if applicable) in excess of the rider withdrawal amount is an excess withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The select and flexible Investment Options may be changed by us in the future. Any changes to investment allocation requirements will not affect existing Policy Owners with an active rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Rate Sheet Prospectus Supplement</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages are disclosed in the Rate Sheet Prospectus Supplement. We periodically issue new Rate Sheet Prospectus Supplements that may reflect different rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages than the previous Rate Sheet Prospectus Supplements. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages set forth in the Rate Sheet Prospectus Supplement may not be superseded or changed until a new Rate Sheet Prospectus Supplement is filed at least 10 Business Days prior to the effective date of the new Rate Sheet Prospectus Supplement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued as part of the new Policy application process</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order to receive the applicable rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages, Your application must be signed while the Rate Sheet Prospectus Supplement is effective, we must receive Your completed application within 7 calendar days from the date that the </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">supplement is no longer effective, and the Policy must be funded within 60 calendar days from the date that the supplement is no longer effective. If these conditions are not met, Your application will be considered not in good order and additional paperwork may be required to issue the Policy with the applicable rates in effect at that time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued to existing Policy Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order to receive the applicable rider fee percentage, valuation frequency, minimum benefit age, required allocations and withdrawal percentages, Your rider election form must be signed and received in good order while the Rate Sheet Prospectus Supplement is in effect. If Your rider election form is received in good order after the Rate Sheet Prospectus Supplement is no longer in effect, You will receive the rider terms that are in effect on the date Your rider election form is received in good order. Election forms must be received in good order while the New York Stock Exchange is open for regular trading to get same-day pricing of the transaction. Election forms received in good order on non-Business Days or after our close of business will get next-day pricing.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Percentage</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the withdrawal percentage to calculate the rider withdrawal amount. The withdrawal percentage is determined by the Annuitant’s age (or the Annuitant's spouse's age if younger and the joint life option is elected) and rider duration at the time of the first withdrawal taken on or after the rider anniversary immediately following the Annuitant’s (or the Annuitant's spouse's if younger and the joint life option is elected) attainment of the minimum benefit age.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal percentage is disclosed in Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Once established, the withdrawal percentage will not change except in certain instances involving automatic step-ups. Withdrawal percentages will change when an automatic step-up occurs and You have crossed into another band or duration prior to the automatic step-up. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step - Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:2.75pt;">– Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the withdrawal base to calculate the rider withdrawal amount and rider fee. The withdrawal base on the rider date is the Policy Value. During any rider year, the withdrawal base is equal to the withdrawal base on the rider date or most recent rider anniversary, plus subsequent premium payments, less subsequent withdrawal base adjustments due to excess withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the withdrawal base will equal the greatest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1. the current withdrawal base;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2. the Policy Value on the rider anniversary; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3. the highest Policy Value in the previous year based on the valuation frequency. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Automatic Step-Up section below).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Item 3 above will be zero if there have been any excess withdrawals in the current rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Hypothetical Example of Withdrawal Base Calculation – Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> which illustrates the hypothetical example of the withdrawal base calculation.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We determine the withdrawal base solely to calculate the rider withdrawal amount and rider fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your withdrawal base is not a Cash Value, a surrender value, or a death benefit. It is not available for withdrawal, it is not a minimum return for any Subaccount, and it is not a guarantee of Policy Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the withdrawal base is generally equal to the Policy Value on the rider date, the rider withdrawal amount may be lower if You delay electing the rider and the Policy Value decreases before You elect the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the rider will receive an automatic step-up if the withdrawal base is set equal to the Item 2 or 3 from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Withdrawal Base</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section above. If neither is greater than the current withdrawal base, no automatic step-up will occur. If the withdrawal percentage has been established due to a previous withdrawal, the withdrawal percentage (as indicated in the Rate Sheet Prospectus Supplement) will increase if You have crossed into another age band or rider year duration prior to the automatic step-up. Please note, the increase is part of the automatic step-up and if no automatic step-up occurs then there will be no withdrawal percentage increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary, the rider fee percentage may increase (or decrease) at the time of any automatic step-up. The rider fee percentage will not exceed the maximum fee percentage in effect when the rider was elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up Opt Out</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Each time an automatic step-up results in a rider fee percentage increase, You have the option to reject the automatic step-up and reinstate the withdrawal base, withdrawal percentage, and rider fee percentage to their respective amounts immediately before the automatic step-up, provided that You do so within 30 days after the rider anniversary on which the automatic step-up occurred. Changes as a result of the automatic step-up feature will be reversed. We must receive Your rejection (each time You elect to opt out), in good order, at our Administrative Office within the same 30 day period after the rider anniversary on which the automatic step-up occurred. You are not subject to fee increases for any Automatic Step-Up that You have opted out of. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Opting out of one step-up does not operate as an opt-out of any future step-ups</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Withdrawal Base Adjustments</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cumulative gross withdrawals up to the rider withdrawal amount in any rider year will not reduce the withdrawal base. Any amount of gross withdrawals in excess of the rider withdrawal amount in any rider year (“excess withdrawals”) will reduce the withdrawal base, however, by the greater of the dollar amount of the excess withdrawal (if the Policy Value is greater than the withdrawal base) or a pro rata amount (in proportion to the reduction in the Policy Value when the Policy Value is less than the withdrawal base), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">possibly to zero</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If an excess withdrawal reduces the Policy Value to zero, this rider will terminate. Withdrawal base adjustments occur immediately following excess withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Transamerica Principal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail, including an excess withdrawal that reduces the withdrawal base by a pro rata amount. The effect of an excess withdrawal is magnified if the Policy Value is less than the withdrawal base.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please Note</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: You retain all responsibility for monitoring excess withdrawals. If You take regular or scheduled withdrawals please pay particular attention to any excess withdrawal because Your regular or scheduled non-excess withdrawals may thereafter become excess withdrawals that reduce or eliminate Your benefit on an accelerated basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;text-decoration:underline;">Example</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">. Assume You are the Owner and Annuitant and You make a single premium payment of $100,000 when You are 66 years old. Further assume that You do not make any withdrawals or additional premium payments, and no automatic step-ups occurred, but that after six years Your Policy Value has declined to $90,000 solely because of negative investment performance. You could receive up to $6,000 each rider year for the rest of Your life based on an assumed withdrawal percentage of 6.0% for the single life option multiplied by an assumed withdrawal base of $100,000 and assuming that:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:36pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">You take Your first withdrawal when You are age 72</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:36pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">You do not withdraw more than the rider withdrawal amount in any one year, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:36pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">there are no future automatic step-ups.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;text-decoration:underline;">Example continued</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">. Assume the same facts as above, but You withdraw $10,000 when You are 72 years old. That excess withdrawal decreases Your future rider withdrawal amount to $5,714.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the withdrawal ($10,000) is in excess of the rider withdrawal amount ($6,000) it impacts the withdrawal base on a greater than dollar-for-dollar basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Adjusted Withdrawal = Excess Withdrawal Amount * Withdrawal Base prior to the withdrawal / Policy Value after the Rider Withdrawal Amount but prior to the Excess Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess withdrawal amount $10,000 - $6,000 = $4,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawal base = $100,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Value after the rider withdrawal amount but prior to the excess withdrawal amount $90,000 - $6,000 = $84,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Adjusted withdrawal = $4,000 * $100,000 / $84,000 = $4,761.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">New withdrawal base $100,000 - $4,761.90 = $95,238.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">New rider withdrawal amount $95,238.10 * 6% = $5,714.29</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Hypothetical Adjusted Withdrawals - Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Riders</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> for examples showing the effect of hypothetical withdrawals in more detail.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Required Allocations</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect this rider, a certain percentage of Your Policy Value on the rider date must be allocated to the Stable Account, the select Investment Options and the flexible Investment Options, in accordance with the percentages specified in the Required Allocations for Premium Payments table contained in the Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). After the rider date, the allocation of all subsequent premium payments must also comply with the required allocations for premium payments table contained in the Rate Sheet Prospectus Supplement so long as this rider is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition, if You elect this rider, any transfers to and from the select Investment Options and the flexible Investment Options must comply with the required allocation percentages for rebalancing specified in the Rate Sheet Prospectus Supplement in effect at the time You elect this rider. Any transfers to and from the select Investment Options and flexible Investment Options will be validated using the prior day’s Policy Values to ensure compliance with the required allocation percentages for rebalancing at the time of the request. Transfer requests that do not comply with the required allocation percentages for rebalancing will be deemed not in good order. Changes in Policy Values due to market movements on other dates will not be treated as a violation of the required allocations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transfers to and from the Stable Account (described below) are not permitted. Withdrawals from the Stable Account are not permitted until all other Investment Options are depleted of value. Withdrawals from the flexible Investment Options and select Investment Options will be deducted on a pro-rata basis. If You do not wish to maintain the applicable required allocation percentages, the rider must be terminated, subject to the rider termination restrictions and requirements, prior to making any transfer. The rider will terminate on the date we receive Written Notice from You requesting termination if such notice is received by us during the 30 days following the fifth rider anniversary or any fifth rider anniversary thereafter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Enrollment in dollar cost averaging is not available while this rider is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">The Stable Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Stable Account is a Fixed Account option under Your Policy. Premium payments allocated and amounts transferred to the Stable Account become part of our general account. Interests in the general account have not been registered under the 1933 Act, nor is the general account registered as an investment company under the 1940 Act. Accordingly, neither the general account nor any interests therein are generally subject to the provisions of the 1933 or 1940 Acts. Disclosures relating to interests in the general account are, however, subject to certain generally applicable provisions of the federal securities laws relating to the accuracy of statements made in a registration statement.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allocations applied to the Stable Account will be credited interest based on a fixed rate. The interest rates will be applied in increments of at least one year measured from each premium payment date and will automatically renew and remain in the Stable Account. The interest credited to the Stable Account will not be less than the guaranteed minimum effective annual interest rate shown on Your Policy (the “guaranteed minimum”). We determine credited rates, which are guaranteed for at least one year, in our sole discretion. You bear the risk that we will not credit interest greater than the guaranteed minimum.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals, surrenders, or transfers (upon termination) from the Stable Account will not be subject to an Excess Interest Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon termination of the rider, all amounts in the Stable Account will be transferred to the money market Subaccount available under Your Policy and no additional premium payments will be allowed into the Stable Account. Owners are permitted to provide instructions as to the allocation of the Stable Account proceeds contained in the money market Subaccount to one or more Subaccounts, but such instructions will not be effective prior to the Business Day after rider termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We guarantee that upon full surrender Your Cash Value attributable to the Fixed Account will not be less than the amount required by the applicable state nonforfeiture law at the time the Policy is issued.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Select and Flexible Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. As described above, if You elect this rider, You must allocate a certain percentage of Your premium payments and Policy Value to the available flexible Investment Options and select Investment Options. A complete listing of Investment Options designated as flexible Investment Options and select Investment Options appears in the “Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:2.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 Investment Options”. You will be notified if there are changes made to the Investment Options within the designated group. Requiring that You allocate a certain percentage of Your premium payments and Policy Value to the designated Investment Options, some of which invest in underlying fund portfolios that employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to use our own assets to pay amounts due under this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Rebalancing</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. While this rider is effective, quarterly rebalancing is required and will take place at the end of each rider quarter on the same date Your rider fee is deducted. If the day rebalancing takes place is not a Business Day, the value of the Accumulation Units redeemed or purchased due to rebalancing will be determined as of the next Business Day. We will automatically transfer amounts among Subaccounts according to the most recent rebalancing allocation instructions on file that comply with the required allocations for rebalancing. On the rider date, Your rebalancing allocation instructions will be established using a ratio of Your current investment allocation instructions for new premium payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will be notified in writing that the required rebalance has been set up, and what the calculated rebalance allocation percentages are, prior to the first quarter rebalancing. You may request changes to Your rebalancing allocation instructions before the prior instructions are implemented if we receive notice of Your request in good order prior to the close of the New York Stock Exchange on the day the rebalance is processed. Your rebalancing allocation instructions will be established using a ratio of Your current investment </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">allocation instruction for new premium payments. You may request changes to Your rebalancing allocation instructions while this rider remains effective as long as they comply with the required allocations for rebalancing. Rebalancing will not cease upon the request of any transfer.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– Guaranteed Lifetime Withdrawal Benefit -Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 and Transamerica Principal Optimzer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> Riders - Rebalancing Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> which illustrates the initial calculation of rebalancing allocation percentage. On the rider date, Your rebalancing allocation instructions will be established using a ratio of Your current investment allocation instructions for new premium payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You do not wish to maintain the required allocations, the rider must be terminated, subject to the rider termination restrictions and requirements, prior to making any transfer. (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Rider - Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, below.)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the list of designated flexible and select investment groups at any time. Any changes to investment allocation requirements will not affect Policy Owners with an active rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an underlying fund portfolio informs us that a portfolio will be liquidated or reorganized, we can eliminate the corresponding select or flexible Investment Option. If this occurs, You will be required to reallocate values in the affected Investment Option to other flexible and select Investment Options in order to meet the allocation requirements. We will provide notice to You if a select or flexible Investment Option will be eliminated and reallocation is required. If You do not provide us with new instructions in the time specified in our notice, we will move Your money in the affected option to the money market Subaccount to the extent permitted by applicable law.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Joint Life Option</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If You elect the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider, then You can also elect to postpone termination of the rider until the later of the Annuitant’s or Annuitant’s spouse’s death (only if the Annuitant’s spouse is eligible to and elects to continue the Policy, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">TAX INFORMATION - Tax Status of a Nonqualified Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> - Distribution Requirements). If You elect the Joint Life option, then the withdrawal percentage used to calculate the rider withdrawal amount may be lower than under the Single Life option. The withdrawal percentage that is used to determine Your rider withdrawal amount will be disclosed in a Rate Sheet Prospectus Supplement included with Your prospectus. This option may not be permitted in the case of certain non-natural Owners. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note: If You elect this option:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal percentage for each “age at the time of the first withdrawal” may be lower if You elect the joint life option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee may be greater if this option is elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant's spouse (or in certain instances a non-natural entity acting for the benefit of the Annuitant's spouse) must be either a joint Owner along with the Annuitant or the sole primary beneficiary (and there is no joint Owner). (Please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Spousal Continuation</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section for more detail regarding Annuitant's spouse).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A former spouse of the Annuitant cannot continue to keep the Policy in force if no longer married to the Annuitant at the time of the Annuitant's death. In that event, the rider will terminate and no additional withdrawals under the rider will be permitted.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant’s spouse for purposes of this rider cannot be changed to a new spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider withdrawal percentage is based on the age of the younger of the Annuitant and Annuitant’s spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider’s issue ages may vary if You elect this option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 Fees</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee is deducted at the end of each successive rider quarter, on the same day of the month as the rider date. If a day does not exist in a given month, the first day of the following month will be used. If a rider fee is deducted from a Subaccount on a day which is not a Business Day, the value of Accumulation Units redeemed will be determined as of the next Business Day. The rider fee is calculated and stored at issue and at each subsequent rider quarter for the upcoming quarter. The rider fee will be adjusted for any premium additions and excess withdrawals. It will be deducted automatically from the flexible Investment Options and the select Investment Options on a pro rata basis at the end of each rider quarter. After those Investment Options are depleted of value, the rider fee will be deducted from the Stable Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee percentage may change after the first rider anniversary due to an automatic step-up. Your rider fee may increase (or decrease) at the time of any automatic step-up. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider. The current rider fee percentage will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">333-233838 for TLIC and 333-233842 for TFLIC).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued as part of the new Policy application process</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order for the rider fee percentage disclosed in the applicable Rate Sheet Prospectus supplement to apply, Your application must be signed on or after the date set forth in the applicable Rate Sheet Prospectus Supplement and must be received in good order within 7 calendar days and funded within 60 calendar days from the date the Rate Sheet Prospectus Supplement is no longer in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">For riders issued to existing Policy Owners</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: In order for the rider fee disclosed percentage in the application Rate Sheet Prospectus Supplement to apply, Your rider election form must be signed and received while the applicable Rate Sheet Prospectus Supplement is in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should not elect this rider without first obtaining the applicable Rate Sheet Prospectus Supplement. You can contact us at (800)525-6205 to receive a Rate Sheet Prospectus Supplement applicable to You.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On an annual basis, in general terms, the rider fee is the rider fee percentage multiplied by the withdrawal base. Specifically, the quarterly fee is calculated by multiplying (A) by (B) by (C), where:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(A)</span></div><div style="float:left;line-height:12pt;margin-left:23.37pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the withdrawal base;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.45pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(B)</span></div><div style="float:left;line-height:12pt;margin-left:23.55pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee percentage; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:13.36pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(C)</span></div><div style="float:left;line-height:12pt;margin-left:22.64pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the number of days in the rider quarter divided by the total number of days in the applicable rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following example uses these assumed values: Initial Premium = $100,000; Withdrawal Base = $100,000; Rider Fee percentage = 1.25%; and 91 total days in the rider quarter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation at rider issue for first quarter rider fee. The rider fee is:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 100,000*0.0125*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 1,250*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $311.64</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A portion of the rider fee will also be assessed upon full surrender of the Policy or other termination of the rider. The quarterly fee will be adjusted based on the number of days remaining until the end of the next rider quarter for the period beginning on the first day of the most recent rider quarter and ending on the date of termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each rider anniversary the rider fee percentage may increase (or decrease) at the time of an automatic step-up. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Automatic Step-Up</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> section below. The rider fee percentage will not exceed the maximum fee percentage in effect when You purchased the rider. The current rider fee percentage will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). Please contact Your financial intermediary or call our Administrative Office to determine whether the Rate Sheet Prospectus Supplement has been amended. Each time an automatic step-up results in a rider fee percentage increase, You will have the option to reject the automatic step-up and reinstate the withdrawal base, withdrawal percentages and rider fee percentage to their respective amounts immediately before the automatic step-up (adjusted for any subsequent premium payments or withdrawals), provided that You do so within 30 calendar days after the rider anniversary on which the automatic step-up occurred. We must receive Your rejection, in good order, at our Administrative Office within the 30 day period after the rider anniversary on which the automatic step-up occurred.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note regarding the rider fee:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the rider fee is a percentage of the withdrawal base, it could be a much higher percentage of Your Policy Value, particularly in the event that Your Policy Value decreases significantly.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because the rider fee is a percentage of the withdrawal base, the amount of the rider fee we deduct will increase if the withdrawal base increases (although the percentage(s) may remain the same).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Rider Fee Adjustment for Premium Payments and Excess Withdrawals</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. A rider fee adjustment will be calculated for subsequent premium payments and excess withdrawals because these events will change the withdrawal base. The rider fee adjustment may be positive or negative and will be added to or subtracted from the rider fee to be collected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The rider fee adjustment is calculated by multiplying (A) by (B) by (C), where:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(A)</span></div><div style="float:left;line-height:12pt;margin-left:23.37pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the withdrawal base change (i.e. withdrawal base after the transaction minus the withdrawal base before the transaction);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:12.45pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(B)</span></div><div style="float:left;line-height:12pt;margin-left:23.55pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the rider fee percentage; and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:13.36pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(C)</span></div><div style="float:left;line-height:12pt;margin-left:22.64pt;text-align:left;width:458.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is the number of days remaining in the rider quarter divided by the total number of days in the applicable rider year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following example uses these assumed values: All initial values as in Example 1; Subsequent Premium = $10,000; and 20 remaining days in the rider quarter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for first quarter rider fee adjustment for a subsequent premium. The fee adjustment is:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 10,000*0.0125*(20/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 125*(20/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $6.85</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Total fee assessed at the end of the first rider quarter (assuming no further rider fee adjustments):</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $6.85 + $311.64</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $318.49</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following two examples use assumed fees and values. The assumed rider year is not a leap year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for second quarter fee at beginning of second rider quarter assuming withdrawal base of $110,000 and a fee percentage of 1.25%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 110,000*0.0125*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= 1,375*(91/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $342.81</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Example 4</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">: Calculation for second quarter fee and an excess withdrawal that results in a pro-rata reduction in the withdrawal base. Assuming beginning values as in example 3, plus adjustment for gross withdrawal of $10,000 taken with 40 days remaining in the second rider quarter. Assumes withdrawal percentage of 5% and a Policy Value of $93,500 prior to the transaction and change in withdrawal base as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Rider Withdrawal Amount (RWA) = Withdrawal Base * Withdrawal Percentage = $110,000 * .05 = $5,500 <br/>Excess Withdrawal = Difference between assumed withdrawal amount and RWA = $10,000 - $5,500 = $4,500 <br/>Withdrawal Base Adjustment = Maximum of Excess Withdrawal and Pro-Rata Withdrawal Amount (Excess Withdrawal * Withdrawal Base prior to withdrawal/Policy Value after RWA has been withdrawn but before excess withdrawal) = Maximum of $4,500 * $110,000/ ($93,500 - $5,500)) = Maximum of $4,500 and $5,625 = $5,625</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fee adjustment as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-5,625 * 0.0125 * (40/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-78.75 * (40/365)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $-7.71</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The total fee assessed at the end of the second rider quarter (assuming no further rider fee adjustments):</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $342.81 - $7.71</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">= $335.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="line-height:12.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The new withdrawal base = $110,000 - $5,625 = $104,375</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> 1.2 - Issue Requirements</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not issue the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider if:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant is age 86 or older (lower if required by state law); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in New York, the Annuitant is younger than the applicable minimum age; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant is not also an Owner (except in the case of non-natural Owners); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">there are more than two Owners.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Furthermore, if the joint life option is elected, we will not issue the Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 Rider if:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is 86 or older (lower if required by state law); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.0pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">in New York, the Annuitant’s spouse is younger than the applicable minimum age; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is not a joint Owner along with the Annuitant; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Annuitant’s spouse is not the sole primary beneficiary (and there is no joint Owner).</span></div><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:476.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The use of joint life option may not be permitted in the case of certain non-natural Owners.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:10pt;"><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;line-height:13pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 1.2 rider will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date the Policy to which this rider is attached terminates;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date of a change in ownership or assignment which violates the Owner and Annuitant relationship requirements as contained in the rider;</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">prior to Your Policy Value reaching zero, the date on which we receive in good order, required information to process a death claim for the Annuitant (or if the joint life option is elected, the later of the Annuitant’s or Annuitant’s spouse’s death);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">on or after Your Policy Value equals zero, upon Annuitant’s death (or if the joint life option is elected, the later of the Annuitant’s or Annuitant’s spouse’s death);</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuitization (however, if You have reached Your maximum Annuity Commencement Date You may choose an Annuitization option which guarantees You lifetime payments in an amount equal to Your rider withdrawal amount); or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date we receive Written Notice from You requesting termination if such notice is received by us during the 30 days following the fifth rider anniversary or any fifth rider anniversary thereafter.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date an excess withdrawal reduces Your Policy Value to zero; or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the date we receive Written Notice from You requesting termination of the rider if such notice is received before midnight of the 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> calendar day after You receive the rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Please note:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This rider terminates upon Annuitization and there is a maximum Annuity Commencement Date at which time Your Policy will be Annuitized according to its terms. However, if You have reached Your maximum Annuity Commencement Date, we will allow You to Annuitize Your Policy and elect to receive lifetime annuity payments which are at least equal to Your rider withdrawal amount. Please contact us for more information concerning Your options.</span></div> <div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:18.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-style:italic;font-weight:bold;text-transform:uppercase;">APPENDIX</span><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-style:italic;font-weight:bold;line-height:18pt;"> </span></div> <div style="line-height:14.0pt;margin-top:14pt;text-align:center;"> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">investment options AVAILABLE UNDER THE POLICY</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following is a list of current Portfolio Companies available under the Policy, which are subject to change as discussed in this prospectus.  Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at http://dfinview.com/Transamerica/TAHD/89355V485?site=VAVUL. You can also request this information at no cost by calling our </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Administrative Office</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> at (800)525-6205.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current expenses and performance below reflects fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.</span></div> <div style="margin-top: 6pt; font-size: 10pt;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">The availability of Investment Options may vary depending on the financial intermediary through which the Policy is sold. In some cases, an option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available, please contact Your financial intermediary or our Administrative Office. See Appendix-Financial Intermediary Variations. </span></div><div style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; margin-top: 6pt;"><span style="font-size: 1pt; line-height: 1pt;"> </span></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: medium; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><table style="border-collapse: collapse; width: 689.328px; font-size: 8pt;" width="518"><tr style="font-size: 0px; height: 0px;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr><tr><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td colspan="3" style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Average Annual Total Returns (as of 12/31/25)</td></tr><tr><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Investment Objective</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Underlying Fund Portfolios and Advisers/Sub-adviser(1)</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Current Expenses</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Platform Charges</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Current Expenses Plus Platform Charges</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">1 year</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">5 years</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">10 years</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">To maximize total return consistent with the Adviser’s determination of reasonable risk.</td><td style="vertical-align: top; border: 0.5pt solid black;">AB Balanced Hedged Allocation Portfolio - Class B<br/>Advised by: AllianceBernstein L.P.</td><td style="vertical-align: top; border: 0.5pt solid black;">0.99%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.20%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.19%</td><td style="vertical-align: top; border: 0.5pt solid black;">17.36%</td><td style="vertical-align: top; border: 0.5pt solid black;">5.64%</td><td style="vertical-align: top; border: 0.5pt solid black;">6.74%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Long-term capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">American Funds Insurance Series® - New World Fund® - Class 4<br/>Advised by: Capital Research and Management Company</td><td style="vertical-align: top; border: 0.5pt solid black;">1.15%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.15%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.30%</td><td style="vertical-align: top; border: 0.5pt solid black;">8.32%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.06%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.43%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">To provide a market rate of return for a fixed income portfolio with low relative volatility of returns.</td><td style="vertical-align: top; border: 0.5pt solid black;">Dimensional VA Global Bond Portfolio - Institutional<br/>Advised by: Dimensional Fund Advisors LP; Sub-Advised by: Dimensional Fund Advisors Ltd.</td><td style="vertical-align: top; border: 0.5pt solid black;">0.21%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.60%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.81%</td><td style="vertical-align: top; border: 0.5pt solid black;">4.35%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.38%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.81%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Consumer Staples - Initial<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.61%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.50%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.11%</td><td style="vertical-align: top; border: 0.5pt solid black;">-2.98%</td><td style="vertical-align: top; border: 0.5pt solid black;">3.70%</td><td style="vertical-align: top; border: 0.5pt solid black;">5.87%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Energy Portfolio - Service 2<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.85%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.30%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.15%</td><td style="vertical-align: top; border: 0.5pt solid black;">10.34%</td><td style="vertical-align: top; border: 0.5pt solid black;">23.86%</td><td style="vertical-align: top; border: 0.5pt solid black;">7.69%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Health Care Portfolio - Service 2<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.84%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.30%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.14%</td><td style="vertical-align: top; border: 0.5pt solid black;">14.10%</td><td style="vertical-align: top; border: 0.5pt solid black;">3.92%</td><td style="vertical-align: top; border: 0.5pt solid black;">N/A </td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Technology Portfolio - Initial<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.56%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.50%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.06%</td><td style="vertical-align: top; border: 0.5pt solid black;">23.36%</td><td style="vertical-align: top; border: 0.5pt solid black;">16.83%</td><td style="vertical-align: top; border: 0.5pt solid black;">23.76%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Utilities Portfolio - Initial<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.60%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.50%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.10%</td><td style="vertical-align: top; border: 0.5pt solid black;">14.11%</td><td style="vertical-align: top; border: 0.5pt solid black;">12.52%</td><td style="vertical-align: top; border: 0.5pt solid black;">12.51%</td></tr></table></div></div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;">  </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><table style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 689.328px; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 8pt;" width="518"><tr style="font-size: 0px; height: 0px;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td colspan="3" style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Average Annual Total Returns (as of 12/31/25)</td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Investment Objective</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Underlying Fund Portfolios and Advisers/Sub-adviser(1)</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses Plus Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">1 year</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">5 years</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">10 years</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks capital growth. Current income is a secondary objective.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Putnam VT International Value Fund - Class IB ⁽³⁾<br/>Advised by: Putnam Investment Management, LLC; Sub-Advised by: Franklin Advisers, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.06%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-0">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.06%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">34.68%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.49%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.86%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek the highest total return, composed of current income and capital appreciation, as is consistent with prudent investment risk.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">State Street Total Return V.I.S. Fund - Class 3<br/>Advised by: State Street Investment Management</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.95%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.20%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.15%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">15.48%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.85%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.91%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation and current income.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica 60/40 Allocation VP - Service<br/>Advised by: Aegon Asset Management UK plc ("AAM")</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.87%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-1">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.87%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">14.90%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.88%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.97%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to provide high total return through a combination of current income and capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Aegon Bond VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.78%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-2">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.78%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.78%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">-0.60%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.82%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek a high level of current income by investing in high-yield debt securities.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Aegon High Yield Bond VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-3">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.27%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">3.89%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.64%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek total return gained from the combination of dividend yield, growth of dividends and capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Aegon Sustainable Equity Income VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management UK plc</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.97%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-4">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.97%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.99%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.11%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.08%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to provide as high a level of total return as is consistent with prudent investment strategies.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Aegon U.S. Government Securities VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.84%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-5">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.84%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.56%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">-1.52%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.94%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek as high a level of current income as is consistent with preservation of capital and liquidity.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock Government Money Market VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.54%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-6">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.54%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">3.81%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">2.91%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.72%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock iShares Edge 100 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.80%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-7">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.80%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">18.54%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.24%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.39%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation and capital preservation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock iShares Edge 40 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.71%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-8">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.71%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">11.42%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">3.21%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.65%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation and capital preservation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock iShares Edge 50 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.69%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-9">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.69%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.35%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.14%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.95%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation with capital preservation as a secondary objective.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock iShares Edge 75 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.75%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-10">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.75%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">15.47%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.70%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.14%</td></tr></table><table style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 689.328px; font-size: 8pt; " width="518"><tr style="font-size: 0px; height: 0px;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td colspan="3" style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Average Annual Total Returns (as of 12/31/25)</td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Investment Objective</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Underlying Fund Portfolios and Advisers/Sub-adviser(1)</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses Plus Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">1 year</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">5 years</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">10 years</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks long-term capital appreciation with current income as a secondary objective</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Goldman Sachs 70/30 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.36%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-11">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.36%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">17.77%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.56%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">11.21%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to balance capital appreciation and income.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Goldman Sachs Managed Risk - Balanced ETF VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.63%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-12">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.63%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.77%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.10%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.67%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek current income and preservation of capital.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Goldman Sachs Managed Risk - Conservative ETF VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.66%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-13">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.66%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.07%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">3.31%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.43%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek capital appreciation as a primary objective and income as a secondary objective.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Goldman Sachs Managed Risk - Growth ETF VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.66%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-14">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.66%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.27%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.84%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.65%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Great Lakes Advisors Large Cap Value VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Great Lakes Advisors, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.94%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-15">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.94%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">23.65%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">14.52%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.31%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks to track the investment results of an index composed of large- and mid-capitalization developed market equities, excluding the U.S. and Canada.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica MSCI EAFE Index VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.62%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.15%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.77%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">30.93%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.53%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.55%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek high total return through the combination of income and capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Madison Diversified Income VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Madison Asset Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.09%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-16">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.09%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.22%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">2.20%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.86%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek high total return.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Morgan Stanley Global Allocation VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Morgan Stanley Investment Management Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.03%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-17">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.03%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">17.51%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.90%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.86%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to provide a high total investment return through investments in a broadly diversified portfolio of stocks, bonds and money market instruments.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Multi-Managed Balanced VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Mangement, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-18">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.73%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.34%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.46%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek maximum real return, consistent with appreciation of capital.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica PineBridge Inflation Opportunities VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: PineBridge Investments LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.81%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-19">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.81%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.35%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.99%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">2.68%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&amp;P 500® Index.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica S&amp;P 500 Index VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.38%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.15%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.53%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">17.37%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">13.95%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">14.32%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term growth of capital by investing primarily in common stocks of small growth companies.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica T. Rowe Price Small Cap VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: T. Rowe Price Associates, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.08%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-20">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.08%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.93%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.17%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.18%</td></tr></table><table style="border-collapse: collapse; width: 689.328px; font-size: 8pt; " width="518"><tr style="font-size: 0px; height: 0px;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td colspan="3" style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Average Annual Total Returns (as of 12/31/25)</td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Investment Objective</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Underlying Fund Portfolios and Advisers/Sub-adviser(1)</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses Plus Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">1 year</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">5 years</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">10 years</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks to maximize long-term growth</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica WMC US Growth VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Wellington Management Company LLP</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right; font-size: 7.5pt;"><span style="-sec-ix-hidden: hidden-fact-21">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">17.47%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.05%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">16.13%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To provide long-term capital appreciation and reasonable current income.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Vanguard® VIF Balanced Portfolio<br/>Advised by: Wellington Management Company LLP</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.20%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.60%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.80%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">16.46%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.29%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.03%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To provide current income and low to moderate capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Vanguard® VIF Conservative Allocation Portfolio<br/>Advised by: The Vanguard Group, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.12%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.60%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.72%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.73%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.22%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.14%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Vanguard® VIF Mid-Cap Index Portfolio<br/>Advised by: The Vanguard Group, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.17%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;"><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">0.60%</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.77%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">11.54%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.46%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.77%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To provide current income and low to moderate capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Vanguard® VIF Moderate Allocation Portfolio<br/>Advised by: The Vanguard Group, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.12%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;"><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">0.60%</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.72%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">16.19%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.51%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.14%</td></tr></table><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: medium; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><div style="clear: both; margin-top: 8pt; position: relative; width: 689.328px;"><div style="float: left; line-height: 10pt; text-align: left; width: 10.23pt;"><span><span style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5.5pt; position: relative; top: -3.75pt;">(1) </span></span></div><div style="float: left; line-height: 10pt; margin-left: 7.77pt; text-align: left; width: 494pt; font-size: 8pt;"><span style="white-space: pre-wrap; text-decoration-thickness: initial; float: none; display: inline !important;"><span style="font-size: 12px; white-space: normal; text-decoration-thickness: initial; float: none; display: inline !important;"><span style="font-size: 8pt">Some Subaccounts may be available for certain policies and may not be available for all policies. You should work with Your registered representative to decide which Subaccount(s) may be appropriate for you based on a thorough analysis of Your particular insurance needs, financial objective, investment goals, time horizons, and risk tolerance.</span></span></span></div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: medium; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><div style="clear: both; margin-top: 6pt; position: relative; width: 689.328px;"><div style="float: left; line-height: 10pt; text-align: left; width: 10.23pt;"><span><span style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5.5pt; position: relative; top: -3.75pt;">(2) </span></span></div><div style="float: left; line-height: 10pt; margin-left: 7.77pt; text-align: left; width: 494pt;"><span><span style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9pt;">There can be no assurance that any money market portfolio offered under this policy will be able to maintain a stable net asset value per share during extended periods of low interest rates, and partly as a result of policy charges, the yield on the money market Subaccount may become extremely low and possibly negative.</span></span></div></div><div style="clear: both; position: relative;"><span style="font-size: 7pt">⁽³⁾</span>   <span style="font-size: 10.6667px; text-align: left; white-space: pre-wrap; text-decoration-thickness: initial; float: none; display: inline !important;">On November 3, 2025, the Putnam VT International Value Fund Subaccount was made available as a new subaccount under the Contract.</span></div></div><div style="margin-top:6pt;">  </div> <div> <div style="clear:both;margin-top:8pt;position:relative;width:100%;">  </div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;">  </div> </div> <div> <div style="clear:both;margin-top:6pt;position:relative;width:100%;">  </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NOTE:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> All underlying fund portfolios in the Transamerica Series Trust are advised by Transamerica Asset Management. The entities listed are the sub-advisors unless otherwise indicated.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:14.0pt;margin-top:14pt;text-align:center;"> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Fixed Options</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below, offer new Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before doing so.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Depending on the optional benefits you choose, you may not be able to invest in certain Investment Options, as noted below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Note: If amounts are withdrawn from a Fixed Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract value.</span></div> </div> <div style="line-height:14.0pt;margin-top:14pt;text-align:center;"> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Fixed Account Guaranteed Minimum Interest Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div> </div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Name</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Term</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Minimum Guaranteed Interest Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">(3)</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Traditional DCA</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1, 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6 minimum months or 24 months </span></div> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">maximum</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1 Year Guaranteed Period Option</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1 year</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">3 Year Guaranteed Period Option</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3 years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">5 Year Guaranteed Period Option</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5 years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">7 Year Guaranteed Period Option</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7 years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:26pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Stable Account (Transamerica Income </span></div> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 Rider only)</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Life of the Rider</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> </table> </div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-transform:uppercase;">investment options AVAILABLE UNDER THE POLICY</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> — (Continued)</span></div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Name</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Term</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Minimum Guaranteed Interest Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">(3)</span></div> </div> </td> </tr> <tr style="height:26pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Stable Account (Transamerica Principal </span></div> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Rider only)</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Life of the Rider</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-top:8pt;text-align:left;"> <div style="margin-top:8pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> We are currently not offering the fixed account in New York with the exception of the Stable Accounts for Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> 1.2 and Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> riders if you have elected those riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div> </div> <div style="line-height:10.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> You will have the option of selecting a monthly term or a quarterly term. If quarterly, it would be a minimum of 4 quarters or a maximum of 8 quarters.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div> </div> <div style="line-height:10.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> The minimum guaranteed interest rate in New York is equal to the non-forfeiture rate in effect at the time of policy issue.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Regarding any state variations on the fixed accounts listed above please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="margin-top: 12pt; font-size: 10pt;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">The availability of Fixed Options may vary depending on the financial intermediary through which the Policy is sold. See Appendix-Financial Intermediary Variations. </span></div></div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:18.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-style:italic;font-weight:bold;text-transform:uppercase;">APPENDIX</span><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-style:italic;font-weight:bold;line-height:18pt;"> </span></div> <div style="line-height:14.0pt;margin-top:14pt;text-align:center;"> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The table below identifies the Designated Investment Options available for use with the Guaranteed Minimum Death Benefits and our Guaranteed Lifetime Withdrawal Benefits except for the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.2 riders.  </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> </div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:319.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Return of</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Premium</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Death</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Annual</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Step-Up</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Death</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Max</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.2 Rider</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.7 Rider</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.7 Rider</span></div> </div> </td> </tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:37.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:32.74pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Prior to</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">9/1/2020</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Group</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">A, B or C</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">9/1/2020</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">and After</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Group</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">A, B or C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">AB Balanced Hedged Allocation Portfolio - Class B</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">American Funds - New World Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> - Class 4</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Dimensional VA Global Bond Portfolio - Institutional Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Consumer Staples - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Energy Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Health Care Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Technology Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Utilities Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">State Street Total Return V.I.S. Fund - Class 3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA 60/40 Allocation - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon Bond - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon High Yield Bond - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon Sustainable Equity Income - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon U.S. Government Securities - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock Government Money Market - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 40- Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 50 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 75 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 100 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs 70/30 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Balanced ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Conservative ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Growth ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Great Lakes Advisors Large Cap Value - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Madison Diversified Income - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Morgan Stanley Global Allocation - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA MSCI EAFE Index - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Multi-Managed Balanced - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA PineBridge Inflation Opportunities - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA S&amp;P 500 Index - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA T. Rowe Price Small Cap - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Balanced Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Conservative Allocation Portfolio</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-transform:uppercase;">Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> — (Continued)</span></div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:319.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Return of</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Premium</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Death</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Annual</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Step-Up</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Death</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Max</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.2 Rider</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.7 Rider</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.7 Rider</span></div> </div> </td> </tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:37.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:32.74pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Prior to</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">9/1/2020</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Group</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">A, B or C</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">9/1/2020</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">and After</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Group</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">A, B or C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Mid-Cap Index Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Moderate Allocation Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fixed Account</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> </table> </div> <div> <div style="clear:both;margin-top:8.5pt;position:relative;width:100%;"> <div style="float:left;line-height:10pt;text-align:left;width:10.23pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div> <div style="float:left;line-height:10pt;margin-left:7.77pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;">This Subaccount invests in an underlying fund portfolio that utilized a volatility management strategy as part of its investment objective and/or principal investment strategy. See </span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;text-decoration:underline;">Investment Restrictions</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> earlier in the prospectus for information on how volatility management strategies may impact Your Policy Value in certain optional riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain designated Investment Options may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any designated Investment Option at any time. In some cases, a designated Investment Option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a designated Investment Option, please contact Your financial intermediary or our Administrative Office.</span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:18.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-style:italic;font-weight:bold;text-transform:uppercase;">APPENDIX</span><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-style:italic;font-weight:bold;line-height:18pt;"> </span></div> <div style="line-height:14.0pt;margin-top:14pt;text-align:center;"> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-5pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;"> AND Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-5pt;">SM </span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">1.2 Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The table below identifies the Select Investment Options and Flexible Investment Options available for use with the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.2 riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div> </div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:431.95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Select</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Investment</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Options</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Flexible</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Investment</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Options</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">AB Balanced Hedged Allocation Portfolio - Class B</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">American Funds - New World Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> - Class 4</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Dimensional VA Global Bond Portfolio - Institutional Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Consumer Staples - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Energy Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Health Care Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Technology Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Utilities Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">State Street Total Return V.I.S. Fund - Class 3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA 60/40 Allocation - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon Bond - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon High Yield Bond - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon Sustainable Equity Income - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon U.S. Government Securities - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock Government Money Market - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 40- Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 50 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 75 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 100 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs 70/30 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Balanced ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Conservative ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Growth ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Great Lakes Advisors Large Cap Value - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Madison Diversified Income - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Morgan Stanley Global Allocation - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA MSCI EAFE Index - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Multi-Managed Balanced - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA PineBridge Inflation Opportunities - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA S&amp;P 500 Index - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA T. Rowe Price Small Cap - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Balanced Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Conservative Allocation Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Mid-Cap Index Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Moderate Allocation Portfolio</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> </table> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div><div> <div> <div style="position: relative;"> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:36pt;width:517pt;min-height:678pt;"> <div style="line-height:12.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;text-transform:uppercase;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-transform:uppercase;"> AND Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-transform:uppercase;">1.2 Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> — (Continued) </span></div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:431.95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Select</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Investment</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Options</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Flexible</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Investment</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Options</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fixed Account</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> </table> </div> <div> <div style="clear:both;margin-top:8.5pt;position:relative;width:100%;"> <div style="float:left;line-height:10pt;text-align:left;width:10.23pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div> <div style="float:left;line-height:10pt;margin-left:7.77pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;">This Subaccount invests in an underlying fund portfolio that utilized a volatility management strategy as part of its investment objective and/or principal investment strategy. See </span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;text-decoration:underline;">Investment Restrictions</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> earlier in the prospectus for information on how volatility management strategies may impact Your Policy Value in certain optional riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact Your financial intermediary or our Administrative Office.</span></div> </div> </div> <div style="clear:both;"> </div> <div style="margin-left:36pt;margin-top:14pt;width:517pt;min-height:12pt;">  </div> </div> </div></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following is a list of current Portfolio Companies available under the Policy, which are subject to change as discussed in this prospectus.  Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at http://dfinview.com/Transamerica/TAHD/89355V485?site=VAVUL. You can also request this information at no cost by calling our </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Administrative Office</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> at (800)525-6205.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current expenses and performance below reflects fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.</span></div><div style="margin-top: 6pt; font-size: 10pt;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">The availability of Investment Options may vary depending on the financial intermediary through which the Policy is sold. In some cases, an option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available, please contact Your financial intermediary or our Administrative Office. See Appendix-Financial Intermediary Variations. </span></div> <table style="border-collapse: collapse; width: 689.328px; font-size: 8pt;" width="518"><tr style="font-size: 0px; height: 0px;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr><tr><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;"> </td><td colspan="3" style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Average Annual Total Returns (as of 12/31/25)</td></tr><tr><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Investment Objective</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Underlying Fund Portfolios and Advisers/Sub-adviser(1)</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Current Expenses</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Platform Charges</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">Current Expenses Plus Platform Charges</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">1 year</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">5 years</td><td style="font-weight: 700; vertical-align: top; border: 0.5pt solid black;">10 years</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">To maximize total return consistent with the Adviser’s determination of reasonable risk.</td><td style="vertical-align: top; border: 0.5pt solid black;">AB Balanced Hedged Allocation Portfolio - Class B<br/>Advised by: AllianceBernstein L.P.</td><td style="vertical-align: top; border: 0.5pt solid black;">0.99%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.20%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.19%</td><td style="vertical-align: top; border: 0.5pt solid black;">17.36%</td><td style="vertical-align: top; border: 0.5pt solid black;">5.64%</td><td style="vertical-align: top; border: 0.5pt solid black;">6.74%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Long-term capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">American Funds Insurance Series® - New World Fund® - Class 4<br/>Advised by: Capital Research and Management Company</td><td style="vertical-align: top; border: 0.5pt solid black;">1.15%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.15%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.30%</td><td style="vertical-align: top; border: 0.5pt solid black;">8.32%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.06%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.43%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">To provide a market rate of return for a fixed income portfolio with low relative volatility of returns.</td><td style="vertical-align: top; border: 0.5pt solid black;">Dimensional VA Global Bond Portfolio - Institutional<br/>Advised by: Dimensional Fund Advisors LP; Sub-Advised by: Dimensional Fund Advisors Ltd.</td><td style="vertical-align: top; border: 0.5pt solid black;">0.21%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.60%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.81%</td><td style="vertical-align: top; border: 0.5pt solid black;">4.35%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.38%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.81%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Consumer Staples - Initial<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.61%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.50%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.11%</td><td style="vertical-align: top; border: 0.5pt solid black;">-2.98%</td><td style="vertical-align: top; border: 0.5pt solid black;">3.70%</td><td style="vertical-align: top; border: 0.5pt solid black;">5.87%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Energy Portfolio - Service 2<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.85%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.30%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.15%</td><td style="vertical-align: top; border: 0.5pt solid black;">10.34%</td><td style="vertical-align: top; border: 0.5pt solid black;">23.86%</td><td style="vertical-align: top; border: 0.5pt solid black;">7.69%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Health Care Portfolio - Service 2<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.84%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.30%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.14%</td><td style="vertical-align: top; border: 0.5pt solid black;">14.10%</td><td style="vertical-align: top; border: 0.5pt solid black;">3.92%</td><td style="vertical-align: top; border: 0.5pt solid black;">N/A </td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Technology Portfolio - Initial<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.56%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.50%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.06%</td><td style="vertical-align: top; border: 0.5pt solid black;">23.36%</td><td style="vertical-align: top; border: 0.5pt solid black;">16.83%</td><td style="vertical-align: top; border: 0.5pt solid black;">23.76%</td></tr><tr><td style="vertical-align: top; border: 0.5pt solid black;">Seeks capital appreciation.</td><td style="vertical-align: top; border: 0.5pt solid black;">Fidelity® VIP Utilities Portfolio - Initial<br/>Advised by: Fidelity Management &amp; Research Company LLC</td><td style="vertical-align: top; border: 0.5pt solid black;">0.60%</td><td style="vertical-align: top; border: 0.5pt solid black;">0.50%</td><td style="vertical-align: top; border: 0.5pt solid black;">1.10%</td><td style="vertical-align: top; border: 0.5pt solid black;">14.11%</td><td style="vertical-align: top; border: 0.5pt solid black;">12.52%</td><td style="vertical-align: top; border: 0.5pt solid black;">12.51%</td></tr></table><table style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 689.328px; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 8pt;" width="518"><tr style="font-size: 0px; height: 0px;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td colspan="3" style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Average Annual Total Returns (as of 12/31/25)</td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Investment Objective</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Underlying Fund Portfolios and Advisers/Sub-adviser(1)</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses Plus Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">1 year</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">5 years</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">10 years</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks capital growth. Current income is a secondary objective.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Putnam VT International Value Fund - Class IB ⁽³⁾<br/>Advised by: Putnam Investment Management, LLC; Sub-Advised by: Franklin Advisers, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.06%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-0">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.06%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">34.68%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.49%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.86%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek the highest total return, composed of current income and capital appreciation, as is consistent with prudent investment risk.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">State Street Total Return V.I.S. Fund - Class 3<br/>Advised by: State Street Investment Management</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.95%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.20%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.15%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">15.48%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.85%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.91%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation and current income.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica 60/40 Allocation VP - Service<br/>Advised by: Aegon Asset Management UK plc ("AAM")</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.87%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-1">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.87%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">14.90%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.88%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.97%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to provide high total return through a combination of current income and capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Aegon Bond VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.78%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-2">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.78%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.78%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">-0.60%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.82%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek a high level of current income by investing in high-yield debt securities.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Aegon High Yield Bond VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-3">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.27%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">3.89%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.64%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek total return gained from the combination of dividend yield, growth of dividends and capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Aegon Sustainable Equity Income VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management UK plc</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.97%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-4">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.97%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.99%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.11%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.08%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to provide as high a level of total return as is consistent with prudent investment strategies.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Aegon U.S. Government Securities VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.84%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-5">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.84%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.56%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">-1.52%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.94%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek as high a level of current income as is consistent with preservation of capital and liquidity.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock Government Money Market VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.54%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-6">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.54%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">3.81%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">2.91%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.72%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock iShares Edge 100 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.80%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-7">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.80%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">18.54%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.24%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.39%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation and capital preservation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock iShares Edge 40 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.71%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-8">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.71%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">11.42%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">3.21%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.65%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation and capital preservation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock iShares Edge 50 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.69%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-9">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.69%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.35%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.14%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.95%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation with capital preservation as a secondary objective.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica BlackRock iShares Edge 75 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.75%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-10">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.75%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">15.47%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.70%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.14%</td></tr></table><table style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 689.328px; font-size: 8pt; " width="518"><tr style="font-size: 0px; height: 0px;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td colspan="3" style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Average Annual Total Returns (as of 12/31/25)</td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Investment Objective</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Underlying Fund Portfolios and Advisers/Sub-adviser(1)</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses Plus Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">1 year</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">5 years</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">10 years</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks long-term capital appreciation with current income as a secondary objective</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Goldman Sachs 70/30 VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.36%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-11">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.36%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">17.77%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.56%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">11.21%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to balance capital appreciation and income.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Goldman Sachs Managed Risk - Balanced ETF VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.63%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-12">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.63%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.77%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.10%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.67%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek current income and preservation of capital.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Goldman Sachs Managed Risk - Conservative ETF VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.66%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-13">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.66%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.07%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">3.31%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.43%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek capital appreciation as a primary objective and income as a secondary objective.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Goldman Sachs Managed Risk - Growth ETF VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.66%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-14">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.66%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.27%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.84%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.65%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Great Lakes Advisors Large Cap Value VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Great Lakes Advisors, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.94%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-15">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.94%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">23.65%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">14.52%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.31%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks to track the investment results of an index composed of large- and mid-capitalization developed market equities, excluding the U.S. and Canada.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica MSCI EAFE Index VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.62%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.15%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.77%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">30.93%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.53%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.55%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek high total return through the combination of income and capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Madison Diversified Income VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Madison Asset Management, LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.09%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-16">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.09%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">7.22%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">2.20%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.86%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek high total return.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Morgan Stanley Global Allocation VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Morgan Stanley Investment Management Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.03%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-17">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.03%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">17.51%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.90%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.86%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to provide a high total investment return through investments in a broadly diversified portfolio of stocks, bonds and money market instruments.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica Multi-Managed Balanced VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Mangement, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-18">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.73%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.34%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.46%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek maximum real return, consistent with appreciation of capital.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica PineBridge Inflation Opportunities VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: PineBridge Investments LLC</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.81%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-19">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.81%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.35%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.99%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">2.68%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&amp;P 500® Index.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica S&amp;P 500 Index VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.38%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.15%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.53%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">17.37%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">13.95%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">14.32%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To seek long-term growth of capital by investing primarily in common stocks of small growth companies.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica T. Rowe Price Small Cap VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: T. Rowe Price Associates, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.08%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right;"><span style="-sec-ix-hidden: hidden-fact-20">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">1.08%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.93%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">5.17%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.18%</td></tr></table><table style="border-collapse: collapse; width: 689.328px; font-size: 8pt; " width="518"><tr style="font-size: 0px; height: 0px;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;"> </td><td colspan="3" style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Average Annual Total Returns (as of 12/31/25)</td></tr><tr><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Investment Objective</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Underlying Fund Portfolios and Advisers/Sub-adviser(1)</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">Current Expenses Plus Platform Charges</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">1 year</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">5 years</td><td style="font-weight: 700; text-align: left; vertical-align: top; border: 0.5pt solid black;">10 years</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks to maximize long-term growth</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Transamerica WMC US Growth VP - Service<br/>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Wellington Management Company LLP</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="vertical-align: top; border: 0.5pt solid black; text-align: right; font-size: 7.5pt;"><span style="-sec-ix-hidden: hidden-fact-21">-</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.89%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">17.47%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.05%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">16.13%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To provide long-term capital appreciation and reasonable current income.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Vanguard® VIF Balanced Portfolio<br/>Advised by: Wellington Management Company LLP</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.20%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.60%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.80%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">16.46%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">9.29%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.03%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To provide current income and low to moderate capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Vanguard® VIF Conservative Allocation Portfolio<br/>Advised by: The Vanguard Group, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.12%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.60%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.72%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">12.73%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">4.22%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.14%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Vanguard® VIF Mid-Cap Index Portfolio<br/>Advised by: The Vanguard Group, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.17%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;"><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">0.60%</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.77%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">11.54%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.46%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">10.77%</td></tr><tr><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">To provide current income and low to moderate capital appreciation.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">Vanguard® VIF Moderate Allocation Portfolio<br/>Advised by: The Vanguard Group, Inc.</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.12%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;"><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">0.60%</span></td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">0.72%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">16.19%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">6.51%</td><td style="text-align: left; vertical-align: top; border: 0.5pt solid black;">8.14%</td></tr></table><div style="float: left; line-height: 10pt; text-align: left; width: 10.23pt;"><span><span style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5.5pt; position: relative; top: -3.75pt;">(1) </span></span></div><div style="float: left; line-height: 10pt; margin-left: 7.77pt; text-align: left; width: 494pt; font-size: 8pt;"><span style="white-space: pre-wrap; text-decoration-thickness: initial; float: none; display: inline !important;"><span style="font-size: 12px; white-space: normal; text-decoration-thickness: initial; float: none; display: inline !important;"><span style="font-size: 8pt">Some Subaccounts may be available for certain policies and may not be available for all policies. You should work with Your registered representative to decide which Subaccount(s) may be appropriate for you based on a thorough analysis of Your particular insurance needs, financial objective, investment goals, time horizons, and risk tolerance.</span></span></span></div><div style="float: left; line-height: 10pt; text-align: left; width: 10.23pt;"><span><span style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5.5pt; position: relative; top: -3.75pt;">(2) </span></span></div><div style="float: left; line-height: 10pt; margin-left: 7.77pt; text-align: left; width: 494pt;"><span><span style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9pt;">There can be no assurance that any money market portfolio offered under this policy will be able to maintain a stable net asset value per share during extended periods of low interest rates, and partly as a result of policy charges, the yield on the money market Subaccount may become extremely low and possibly negative.</span></span></div><div style="clear: both; position: relative;"><span style="font-size: 7pt">⁽³⁾</span>   <span style="font-size: 10.6667px; text-align: left; white-space: pre-wrap; text-decoration-thickness: initial; float: none; display: inline !important;">On November 3, 2025, the Putnam VT International Value Fund Subaccount was made available as a new subaccount under the Contract.</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NOTE:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> All underlying fund portfolios in the Transamerica Series Trust are advised by Transamerica Asset Management. The entities listed are the sub-advisors unless otherwise indicated.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> To maximize total return consistent with the Adviser’s determination of reasonable risk. AB Balanced Hedged Allocation Portfolio - Class B AllianceBernstein L.P. 0.0099 0.002 0.0119 0.1736 0.0564 0.0674 Long-term capital appreciation. American Funds Insurance Series® - New World Fund® - Class 4 Capital Research and Management Company 0.0115 0.0015 0.013 0.0832 0.0006 0.0143 To provide a market rate of return for a fixed income portfolio with low relative volatility of returns. Dimensional VA Global Bond Portfolio - Institutional Dimensional Fund Advisors LP Dimensional Fund Advisors Ltd. 0.0021 0.006 0.0081 0.0435 0.0138 0.0181 Seeks capital appreciation. Fidelity® VIP Consumer Staples - Initial Fidelity Management &amp; Research Company LLC 0.0061 0.005 0.0111 -0.0298 0.037 0.0587 Seeks capital appreciation. Fidelity® VIP Energy Portfolio - Service 2 Fidelity Management &amp; Research Company LLC 0.0085 0.003 0.0115 0.1034 0.2386 0.0769 Seeks capital appreciation. Fidelity® VIP Health Care Portfolio - Service 2 Fidelity Management &amp; Research Company LLC 0.0084 0.003 0.0114 0.141 0.0392 Seeks capital appreciation. Fidelity® VIP Technology Portfolio - Initial Fidelity Management &amp; Research Company LLC 0.0056 0.005 0.0106 0.2336 0.1683 0.2376 Seeks capital appreciation. Fidelity® VIP Utilities Portfolio - Initial Fidelity Management &amp; Research Company LLC 0.006 0.005 0.011 0.1411 0.1252 0.1251 Seeks capital growth. Current income is a secondary objective. Putnam VT International Value Fund - Class IB Putnam Investment Management, LLC Franklin Advisers, Inc. 0.0106 0.0106 0.3468 0.1249 0.0886 To seek the highest total return, composed of current income and capital appreciation, as is consistent with prudent investment risk. State Street Total Return V.I.S. Fund - Class 3 State Street Investment Management 0.0095 0.002 0.0115 0.1548 0.0685 0.0691 To seek long-term capital appreciation and current income. Transamerica 60/40 Allocation VP - Service Aegon Asset Management UK plc ("AAM") 0.0087 0.0087 0.149 0.0788 0.0797 To seek to provide high total return through a combination of current income and capital appreciation. Transamerica Aegon Bond VP - Service Transamerica Asset Management, Inc. Aegon USA Investment Management, LLC 0.0078 0.0078 0.0678 -0.006 0.0182 To seek a high level of current income by investing in high-yield debt securities. Transamerica Aegon High Yield Bond VP - Service Transamerica Asset Management, Inc. Aegon USA Investment Management, LLC 0.0089 0.0089 0.0827 0.0389 0.0564 To seek total return gained from the combination of dividend yield, growth of dividends and capital appreciation. Transamerica Aegon Sustainable Equity Income VP - Service Transamerica Asset Management, Inc Aegon USA Investment Management UK plc 0.0097 0.0097 0.1099 0.0811 0.0708 To seek to provide as high a level of total return as is consistent with prudent investment strategies. Transamerica Aegon U.S. Government Securities VP - Service Transamerica Asset Management, Inc. Aegon USA Investment Management, LLC 0.0084 0.0084 0.0556 -0.0152 0.0094 To seek as high a level of current income as is consistent with preservation of capital and liquidity. Transamerica BlackRock Government Money Market VP - Service Transamerica Asset Management, Inc. BlackRock Investment Management, LLC 0.0054 0.0054 0.0381 0.0291 0.0172 To seek long-term capital appreciation. Transamerica BlackRock iShares Edge 100 VP - Service Transamerica Asset Management, Inc. BlackRock Investment Management, LLC 0.008 0.008 0.1854 0.0924 0.1039 To seek long-term capital appreciation and capital preservation. Transamerica BlackRock iShares Edge 40 VP - Service Transamerica Asset Management, Inc. BlackRock Investment Management, LLC 0.0071 0.0071 0.1142 0.0321 0.0465 To seek long-term capital appreciation and capital preservation. Transamerica BlackRock iShares Edge 50 VP - Service Transamerica Asset Management, Inc. BlackRock Investment Management, LLC 0.0069 0.0069 0.1235 0.0414 0.0595 To seek long-term capital appreciation with capital preservation as a secondary objective. Transamerica BlackRock iShares Edge 75 VP - Service Transamerica Asset Management, Inc BlackRock Investment Management, LLC 0.0075 0.0075 0.1547 0.067 0.0814 Seeks long-term capital appreciation with current income as a secondary objective Transamerica Goldman Sachs 70/30 VP - Service Transamerica Asset Management, Inc Goldman Sachs Asset Management, L.P. 0.0136 0.0136 0.1777 0.0756 0.1121 To seek to balance capital appreciation and income. Transamerica Goldman Sachs Managed Risk - Balanced ETF VP - Service Transamerica Asset Management, Inc Goldman Sachs Asset Management, L.P. 0.0063 0.0063 0.1077 0.051 0.0567 To seek current income and preservation of capital. Transamerica Goldman Sachs Managed Risk - Conservative ETF VP - Service Transamerica Asset Management, Inc Goldman Sachs Asset Management, L.P. 0.0066 0.0066 0.1007 0.0331 0.0443 To seek capital appreciation as a primary objective and income as a secondary objective. Transamerica Goldman Sachs Managed Risk - Growth ETF VP - Service Transamerica Asset Management, Inc Goldman Sachs Asset Management, L.P. 0.0066 0.0066 0.1227 0.0784 0.0765 To seek long-term capital appreciation. Transamerica Great Lakes Advisors Large Cap Value VP - Service Transamerica Asset Management, Inc Great Lakes Advisors, LLC 0.0094 0.0094 0.2365 0.1452 0.0931 Seeks to track the investment results of an index composed of large- and mid-capitalization developed market equities, excluding the U.S. and Canada. Transamerica MSCI EAFE Index VP - Service Transamerica Asset Management, Inc SSGA Funds Management, Inc. 0.0062 0.0015 0.0077 0.3093 0.0853 0.0755 To seek high total return through the combination of income and capital appreciation. Transamerica Madison Diversified Income VP - Service Transamerica Asset Management, Inc. Madison Asset Management, LLC 0.0109 0.0109 0.0722 0.022 0.0486 To seek high total return. Transamerica Morgan Stanley Global Allocation VP - Service Transamerica Asset Management, Inc. Morgan Stanley Investment Management Inc. 0.0103 0.0103 0.1751 0.049 0.0686 To seek to provide a high total investment return through investments in a broadly diversified portfolio of stocks, bonds and money market instruments. Transamerica Multi-Managed Balanced VP - Service Transamerica Asset Management, Inc. Aegon USA Investment Mangement, Inc. 0.0089 0.0089 0.1273 0.0834 0.0946 To seek maximum real return, consistent with appreciation of capital. Transamerica PineBridge Inflation Opportunities VP - Service Transamerica Asset Management, Inc. PineBridge Investments LLC 0.0081 0.0081 0.0535 0.0099 0.0268 To seek to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&amp;P 500® Index. Transamerica S&amp;P 500 Index VP - Service Transamerica Asset Management, Inc SSGA Funds Management, Inc. 0.0038 0.0015 0.0053 0.1737 0.1395 0.1432 To seek long-term growth of capital by investing primarily in common stocks of small growth companies. Transamerica T. Rowe Price Small Cap VP - Service Transamerica Asset Management, Inc. T. Rowe Price Associates, Inc. 0.0108 0.0108 0.0993 0.0517 0.1018 Seeks to maximize long-term growth Transamerica WMC US Growth VP - Service Transamerica Asset Management, Inc. Wellington Management Company LLP 0.0089 0.0089 0.1747 0.1205 0.1613 To provide long-term capital appreciation and reasonable current income. Vanguard® VIF Balanced Portfolio Wellington Management Company LLP 0.002 0.006 0.008 0.1646 0.0929 0.1003 To provide current income and low to moderate capital appreciation. Vanguard® VIF Conservative Allocation Portfolio The Vanguard Group, Inc. 0.0012 0.006 0.0072 0.1273 0.0422 0.0614 Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. Vanguard® VIF Mid-Cap Index Portfolio The Vanguard Group, Inc. 0.0017 0.006 0.0077 0.1154 0.0846 0.1077 To provide current income and low to moderate capital appreciation. Vanguard® VIF Moderate Allocation Portfolio The Vanguard Group, Inc. 0.0012 0.006 0.0072 0.1619 0.0651 0.0814 <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Fixed Options</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below, offer new Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before doing so.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Depending on the optional benefits you choose, you may not be able to invest in certain Investment Options, as noted below.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Note: If amounts are withdrawn from a Fixed Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract value.</span></div> <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Fixed Account Guaranteed Minimum Interest Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Name</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Term</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Minimum Guaranteed Interest Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">(3)</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Traditional DCA</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1, 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6 minimum months or 24 months </span></div> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">maximum</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1 Year Guaranteed Period Option</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1 year</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">3 Year Guaranteed Period Option</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3 years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">5 Year Guaranteed Period Option</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5 years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">7 Year Guaranteed Period Option</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7 years</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> <tr style="height:26pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Stable Account (Transamerica Income </span></div> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 1.2 Rider only)</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Life of the Rider</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> </table><div style="line-height:12.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-transform:uppercase;">investment options AVAILABLE UNDER THE POLICY</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> — (Continued)</span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Name</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Term</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;font-weight:bold;">Minimum Guaranteed Interest Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">(3)</span></div> </div> </td> </tr> <tr style="height:26pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Stable Account (Transamerica Principal </span></div> <div style="margin-left:6pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Rider only)</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:176pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Life of the Rider</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div> </div> </td> </tr> </table><div style="margin-top:8pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> We are currently not offering the fixed account in New York with the exception of the Stable Accounts for Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> 1.2 and Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> riders if you have elected those riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> You will have the option of selecting a monthly term or a quarterly term. If quarterly, it would be a minimum of 4 quarters or a maximum of 8 quarters.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> The minimum guaranteed interest rate in New York is equal to the non-forfeiture rate in effect at the time of policy issue.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Regarding any state variations on the fixed accounts listed above please </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">see</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;text-decoration:underline;">– State Variations</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div><div style="margin-top: 12pt; font-size: 10pt;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">The availability of Fixed Options may vary depending on the financial intermediary through which the Policy is sold. See Appendix-Financial Intermediary Variations. </span></div> Traditional DCA P24M 0.0025 1 Year Guaranteed Period Option P1Y 0.0025 3 Year Guaranteed Period Option P3Y 0.0025 5 Year Guaranteed Period Option P5Y 0.0025 7 Year Guaranteed Period Option P7Y 0.0025 Stable Account (Transamerica Income EdgeSM 1.2 Rider only) 0.0025 Stable Account (Transamerica Principal OptimizerSM Rider only) 0.0025 <div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The table below identifies the Designated Investment Options available for use with the Guaranteed Minimum Death Benefits and our Guaranteed Lifetime Withdrawal Benefits except for the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.2 riders.  </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">See</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Appendix - Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;"> 1.2 Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:319.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Return of</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Premium</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Death</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Annual</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Step-Up</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Death</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Max</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.2 Rider</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.7 Rider</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.7 Rider</span></div> </div> </td> </tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:37.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:32.74pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Prior to</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">9/1/2020</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Group</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">A, B or C</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">9/1/2020</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">and After</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Group</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">A, B or C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">AB Balanced Hedged Allocation Portfolio - Class B</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">American Funds - New World Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> - Class 4</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Dimensional VA Global Bond Portfolio - Institutional Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Consumer Staples - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Energy Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Health Care Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Technology Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Utilities Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">State Street Total Return V.I.S. Fund - Class 3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA 60/40 Allocation - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon Bond - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon High Yield Bond - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon Sustainable Equity Income - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon U.S. Government Securities - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock Government Money Market - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 40- Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 50 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 75 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 100 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs 70/30 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Balanced ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Conservative ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Growth ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Great Lakes Advisors Large Cap Value - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Madison Diversified Income - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Morgan Stanley Global Allocation - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA MSCI EAFE Index - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Multi-Managed Balanced - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA PineBridge Inflation Opportunities - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA S&amp;P 500 Index - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA T. Rowe Price Small Cap - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Balanced Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Conservative Allocation Portfolio</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> </table><div style="line-height:12.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-transform:uppercase;">Designated Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> — (Continued)</span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:319.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Return of</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Premium</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Death</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Annual</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Step-Up</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Death</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Max</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.2 Rider</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.7 Rider</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Retirement</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Choice</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">®</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">1.7 Rider</span></div> </div> </td> </tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:37.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:32.74pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Prior to</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">9/1/2020</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Group</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">A, B or C</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">9/1/2020</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">and After</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Group</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">A, B or C</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Mid-Cap Index Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Moderate Allocation Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">B</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:319.13pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fixed Account</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:37.44pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:32.74pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.4pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">A</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.9pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">C</span></div> </div> </td> </tr> </table><div style="float:left;line-height:10pt;text-align:left;width:10.23pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div><div style="float:left;line-height:10pt;margin-left:7.77pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;">This Subaccount invests in an underlying fund portfolio that utilized a volatility management strategy as part of its investment objective and/or principal investment strategy. See </span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;text-decoration:underline;">Investment Restrictions</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> earlier in the prospectus for information on how volatility management strategies may impact Your Policy Value in certain optional riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain designated Investment Options may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any designated Investment Option at any time. In some cases, a designated Investment Option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a designated Investment Option, please contact Your financial intermediary or our Administrative Office.</span></div><div style="line-height:18.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-style:italic;font-weight:bold;text-transform:uppercase;">APPENDIX</span><span style="color:#000000;font-family:Times New Roman;font-size:14pt;font-style:italic;font-weight:bold;line-height:18pt;"> </span></div><div style="margin-top:14pt;"><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:7.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-5pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;"> AND Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:7.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-5pt;">SM </span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;text-transform:uppercase;">1.2 Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;line-height:14pt;"> </span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The table below identifies the Select Investment Options and Flexible Investment Options available for use with the Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.2 riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:431.95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Select</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Investment</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Options</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Flexible</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Investment</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Options</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">AB Balanced Hedged Allocation Portfolio - Class B</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">American Funds - New World Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> - Class 4</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Dimensional VA Global Bond Portfolio - Institutional Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Consumer Staples - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Energy Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Health Care Portfolio - Service Class 2</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Technology Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIP Utilities Portfolio - Initial Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">State Street Total Return V.I.S. Fund - Class 3</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA 60/40 Allocation - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon Bond - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon High Yield Bond - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon Sustainable Equity Income - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Aegon U.S. Government Securities - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock Government Money Market - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 40- Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 50 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 75 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA BlackRock iShares Edge 100 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs 70/30 - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Balanced ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Conservative ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Goldman Sachs Managed Risk - Growth ETF - Service Class</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Great Lakes Advisors Large Cap Value - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Madison Diversified Income - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Morgan Stanley Global Allocation - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA MSCI EAFE Index - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA Multi-Managed Balanced - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA PineBridge Inflation Opportunities - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA S&amp;P 500 Index - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">TA T. Rowe Price Small Cap - Service Class</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Balanced Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Conservative Allocation Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Mid-Cap Index Portfolio</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Vanguard</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;margin-left:0.0pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> VIF Moderate Allocation Portfolio</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> </table><div style="line-height:12.0pt;text-align:center;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;text-transform:uppercase;">Transamerica Principal Optimizer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-transform:uppercase;"> AND Transamerica Income Edge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-transform:uppercase;">1.2 Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> — (Continued) </span></div><table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:517pt; border-spacing: 0px;"> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:431.95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.28pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Select</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Investment</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Options</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Flexible</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Investment</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;">Options</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:431.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:42.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;font-weight:bold;"> </span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:431.95pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;">Fixed Account</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:42.78pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">√</span></div> </div> </td> </tr> </table><div style="float:left;line-height:10pt;text-align:left;width:10.23pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div><div style="float:left;line-height:10pt;margin-left:7.77pt;text-align:left;width:494.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9pt;">This Subaccount invests in an underlying fund portfolio that utilized a volatility management strategy as part of its investment objective and/or principal investment strategy. See </span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;text-decoration:underline;">Investment Restrictions</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;"> earlier in the prospectus for information on how volatility management strategies may impact Your Policy Value in certain optional riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:9pt;line-height:10pt;"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact Your financial intermediary or our Administrative Office.</span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact Your financial intermediary or our Administrative Office.</span></div> N-4 N-4 0000929519 false 2026-04-30 SEPARATE ACCOUNT VA BNY As a percentage of average Separate Account Value. As a percentage of Portfolio Company assets. As a percentage of the Rider Fee Basis or Withdrawal Base. Please remember that these Examples are illustrations and do not represent past or future expenses. Your actual expenses may be lower or higher than those reflected in the Examples. Similarly, Your rate of return may be more or less than the 5% assumed in the Examples. The Examples don't reflect premium tax charges, special service fees, or transfer fees. Different fees and expenses not reflected in the Examples may be assessed during the income phase of the Policy. Base Contract Expenses: Mortality and Expense Risk and Administrative Fee: The mortality and expense risk fee shown is for the accumulation phase with the base death benefit. During the income phase, the mortality and expense risk and administrative fee will be equal to the Base Contract Expense Fee as listed, plus any Optional Benefit Expenses selected. Fund Facilitation Fee: Any Fund Facilitation Fee is a Separate Account expense in addition to the mortality and expense risk and administrative fees. This daily fee is applied only to Policy Value in the Subaccounts invested in the following Portfolio Companies: Portfolio CompaniesAnnualizedFee %Dimensional VA Global Bond Portfolio - Institutional ClassVanguard® VIF Balanced PortfolioVanguard® VIF Conservative Allocation PortfolioVanguard® VIF Mid-Cap Index PortfolioVanguard® VIF Moderate Allocation Portfolio0.60%Fidelity® VIP Consumer Staples - Initial ClassFidelity® VIP Technology Portfolio - Initial ClassFidelity® VIP Utilities Portfolio - Initial Class0.50%Fidelity® VIP Energy Portfolio - Service Class 2Fidelity® VIP Health Care Portfolio - Service Class 20.30%AB Balanced Hedged Allocation Portfolio - Class BState Street Total Return V.I.S. Fund - Class 30.20%American Funds - New World Fund® - Class 4Putnam VT International Fund - Class IBTA MSCI EAFE Index - Service ClassTA S&P 500 Index - Service Class0.15%We charge a Fund Facilitation Fee in order to make certain Portfolio Companies available as investment choices under the policies. We apply the fee to Portfolio Companies that invest in underlying fund portfolios that do not provide us with the amount of revenue we require in order for us to meet our expenses and revenue targets. This fee is assessed daily based on the net asset value of Portfolio Companies that we specify, up to a maximum fee of 0.60%. Optional Benefit Separate Account Expenses: Any optional benefit separate account expense is in addition to the mortality and expense risk and administrative fees.  Access Rider: The fee is a percentage of the daily net asset value in the Separate Account. Fixed Account: This account is comprised of one or more investment options under the Policy that are part of our general assets and are not in the Separate Account. Interest will be compounded annually and credited daily to achieve at least the guaranteed minimum effective interest rate(s). We may declare a higher interest rate in advance. New money and renewals will be based upon the most recent declared interest rate(s). We reserve the right to limit any or all Fixed Accounts from accepting new premiums, transfers, or rollovers. Total Separate Account Annual Expenses with Highest Optional Separate Account Expenses: This reflects the base Separate Account expenses, the Annual Step-Up Death Benefit fee, Fund Facilitation Fee and the Access Rider, but does not include any other Optional Rider Charges. The death benefits are mutually exclusive. OPTIONAL RIDERS In some cases, riders to the Policy are available that provide optional benefits. There are additional fees (annualized fee charged on a yearly or quarterly basis, depending on the rider) for those riders. Optional Guaranteed Lifetime Withdrawal Benefit Riders: Transamerica Principal OptimizerSM Rider - Withdrawal Base: We use the withdrawal base to calculate the rider withdrawal amount. The withdrawal base is also used in the calculation of the rider fee. We use the greater of the withdrawal base and the guaranteed future value to calculate the rider fee. The withdrawal base on the rider date is the Policy Value. Please note: For policies issued in the state of New York, Please see Appendix – State Variations section for rider availability. Transamerica Income EdgeSM 1.2 - Withdrawal Base: We use the withdrawal base to calculate the rider withdrawal amount. The withdrawal base is also used in the calculation of the rider fee. The current rider fee will be less than or equal to the stated Maximum. Your rider fee may increase (or decrease) at the time of any automatic step-up or optional reset. See Automatic Step-Up or Optional Reset discussion for each applicable optional benefit. Your rider fee percentage will not exceed the maximum fee percentage shown in this table. The current rider fee will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Number 333-233838 for TLIC and 333-233842 for TFLIC). Transfer Fee: The transfer fee, if any is imposed, applies to each Policy, regardless of how Policy Value is allocated among the Investment Options. There is no fee for the first 12 transfers per Policy Year. For additional transfers, we may charge a fee of $10 per transfer. Currently, we do not charge a transfer fee, but reserve the right to do so. Special Service Fee: We currently deduct a charge for overnight delivery and duplicate policies. We reserve the right to deduct a charge for special services in the future, including non-sufficient checks on new business; duplicate Form 1099 and Form 5498 tax forms; check copies; printing and mailing previously submitted forms; and asset verification requests from mortgage companies. We may charge a fee for each service performed and fees may vary based on the type of service but will not exceed the maximum Special Service Fee shown above. Annual Service Charge: The annual service charge is assessed on each Policy anniversary and at the time of surrender. The charge (up to $50) is waived if Your Policy Value or the sum of Your premiums less all withdrawals, is at least $100,000. The current annual service charge is the lesser of $35 per Policy Year or 2% of the Policy Value. Charge TypeAmountCurrent Annual Service Charge$35Maximum Annual Service Charge$50 1) Maximum Surrender Charge: The surrender charge, if any is imposed, applies to each premium payment, regardless of how Policy Value is allocated among the Investment Options. The surrender charge decreases based on the number of years since that premium payment was made. Some Subaccounts may be available for certain policies and may not be available for all policies. You should work with Your registered representative to decide which Subaccount(s) may be appropriate for you based on a thorough analysis of Your particular insurance needs, financial objective, investment goals, time horizons, and risk tolerance. On November 3, 2025, the Putnam VT International Value Fund Subaccount was made available as a new subaccount under the Contract. We are currently not offering the fixed account in New York with the exception of the Stable Accounts for Transamerica Income EdgeSM 1.2 and Transamerica Principal OptimizerSM riders if you have elected those riders. (2) You will have the option of selecting a monthly term or a quarterly term. If quarterly, it would be a minimum of 4 quarters or a maximum of 8 quarters. The minimum guaranteed interest rate in New York is equal to the non-forfeiture rate in effect at the time of policy issue.