0000356475 2026-06-08 2026-06-08 0000356475 bhf:LivingBenefitGLWBMember bhf:C000168027Member 2026-06-08 2026-06-08 0000356475 bhf:LivingBenefitGLWBMember bhf:C000168026Member 2026-06-08 2026-06-08 0000356475 false N-4 N-4 Brighthouse Separate Account A 2026-06-08 <span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;">FlexChoice Access Level</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Offers a steady GLWB Withdrawal Rate and GLWB Lifetime Guarantee Rate throughout your lifetime.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:38.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.63pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">First</span></div> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Available</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Last</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Available</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rollup</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rollup Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Period End</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Withdrawal Age</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Spousal </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:80.26pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GLWB </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Withdrawal Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(When Account Value is </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">greater than $0)</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:80.26pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GLWB Lifetime </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Guarantee Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(When Account Value is </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">reduced to $0)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44.5pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rider</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:40pt;"> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:40.63pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">06/22/26</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;position:relative;top:-3.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;line-height:8pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;"> —  </span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.00%</span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">10th</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Contract</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Anniversary</span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:58pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;">2</span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Your </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Spouse's Date </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">of Birth</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">may not be </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">more than </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">10 years after </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">your Date of </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Birth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Age at 1st</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Withdrawal</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">After Age</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;font-style:italic;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;font-style:italic;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Withdrawal</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Single</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Guarantee</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Joint</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Guarantee</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td rowspan="3" style="padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:44.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Maximum </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Charge:</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.00% of the </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Benefit Base</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Charge:</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">1.35% of the </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Benefit Base</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;"> to less</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">than 65</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">4.00%</span></div></div></td></tr> <tr style="height:11.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">65+</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">6.50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">6.50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;">FlexChoice Access Expedite</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Offers a higher GLWB Withdrawal Rate while your Account Value is greater than zero and a reduced GLWB Lifetime Guarantee Rate if your Account Value is reduced to zero.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:46.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:36.17pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">First</span></div> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Available</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Last</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Available</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rollup</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rollup</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Period </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">End</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Withdrawal Age</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Spousal </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:71.34pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GLWB </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Withdrawal Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(When Account Value </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">is greater than $0)</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:115.32pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GLWB Lifetime </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Guarantee Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(When Account Value is reduced to </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">$0)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:36.16pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rider</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:48pt;"> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:36.17pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">06/22/26</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;position:relative;top:-3.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;line-height:8pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;"> —  </span></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.00%</span></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">10th</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Contract </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Anniversary</span></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:58pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;">2</span></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Your </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Spouse's </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Date of </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Birth</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">may not be </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">more than </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">10 years </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">after your </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Date of </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Birth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Age at 1st</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Withdrawal</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">After Age</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">59</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;font-style:italic;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;font-style:italic;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Withdrawal</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Age When</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Account</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Value is</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Reduced to</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Zero</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Single</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Guarantee</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Joint</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Guarantee</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td rowspan="5" style="padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:36.16pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Maximum </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Charge:</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.00% of </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">the Benefit </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Base</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Charge:</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">1.35% of </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">the Benefit </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Base</span></div></div></td></tr> <tr style="height:24pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;"> to</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">less than 65</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">6.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">79 or </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">younger</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.50%</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:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">80+</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.75%</span></div></div></td></tr> <tr style="height:24pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">65+</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">9.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">79 or </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">younger</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.75%</span></div></div></td></tr> <tr style="height:11.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">80+</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3.50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">FlexChoice Access and the GLWB Death Benefit currently are available for purchase in all states. FlexChoice is no longer available for purchase.</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">When the Account Value is greater than zero, only one GLWB Withdrawal Rate will apply. Your GLWB Withdrawal Rate is determined by when you take your first withdrawal after the Lifetime Withdrawal Age and is independent of your election of payments using the applicable Single or Joint Lifetime Guarantee Rate when your Account Value is reduced to zero.</span> <span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;">FlexChoice Access Level</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Offers a steady GLWB Withdrawal Rate and GLWB Lifetime Guarantee Rate throughout your lifetime.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:38.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.63pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">First</span></div> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Available</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Last</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Available</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rollup</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rollup Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Period End</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Withdrawal Age</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Spousal </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:80.26pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GLWB </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Withdrawal Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(When Account Value is </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">greater than $0)</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:80.26pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GLWB Lifetime </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Guarantee Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(When Account Value is </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">reduced to $0)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44.5pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rider</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:40pt;"> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:40.63pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">06/22/26</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;position:relative;top:-3.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;line-height:8pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;"> —  </span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.00%</span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">10th</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Contract</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Anniversary</span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:58pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;">2</span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Your </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Spouse's Date </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">of Birth</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">may not be </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">more than </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">10 years after </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">your Date of </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Birth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Age at 1st</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Withdrawal</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">After Age</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;font-style:italic;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;font-style:italic;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Withdrawal</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Single</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Guarantee</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Joint</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Guarantee</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td rowspan="3" style="padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:44.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Maximum </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Charge:</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.00% of the </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Benefit Base</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Charge:</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">1.35% of the </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Benefit Base</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;"> to less</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">than 65</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">4.00%</span></div></div></td></tr> <tr style="height:11.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">65+</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">6.50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">6.50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:40.13pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;">FlexChoice Access Expedite</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Offers a higher GLWB Withdrawal Rate while your Account Value is greater than zero and a reduced GLWB Lifetime Guarantee Rate if your Account Value is reduced to zero.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:46.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:36.17pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">First</span></div> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Available</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Last</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Available</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rollup</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rollup</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Period </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">End</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:58pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Withdrawal Age</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Spousal </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:71.34pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GLWB </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Withdrawal Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(When Account Value </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">is greater than $0)</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:115.32pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GLWB Lifetime </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Guarantee Rate</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(When Account Value is reduced to </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">$0)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:36.16pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rider</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:48pt;"> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:36.17pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:2pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">06/22/26</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;position:relative;top:-3.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;line-height:8pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;"> —  </span></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">5.00%</span></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">10th</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Contract </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Anniversary</span></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:58pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;">2</span></div></div></td> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Your </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Spouse's </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Date of </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Birth</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">may not be </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">more than </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">10 years </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">after your </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Date of </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Birth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Age at 1st</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Withdrawal</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">After Age</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">59</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;font-style:italic;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;font-style:italic;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Withdrawal</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Age When</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Account</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Value is</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Reduced to</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Zero</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Single</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Guarantee</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Joint</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Lifetime</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Guarantee</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;">Rate</span></div></div></td> <td rowspan="5" style="padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:36.16pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Maximum </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Charge:</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.00% of </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">the Benefit </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Base</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Charge:</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">1.35% of </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">the Benefit </span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">Base</span></div></div></td></tr> <tr style="height:24pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">59 </span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;position:relative;top:-2.13pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:4.2pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;"> to</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">less than 65</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">6.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">79 or </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">younger</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.50%</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:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">80+</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.75%</span></div></div></td></tr> <tr style="height:24pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">65+</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:35.67pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">9.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">79 or </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">younger</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.75%</span></div></div></td></tr> <tr style="height:11.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">80+</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:35.66pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3.50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.625pt;vertical-align:Middle;width:44pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">FlexChoice Access and the GLWB Death Benefit currently are available for purchase in all states. FlexChoice is no longer available for purchase.</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">When the Account Value is greater than zero, only one GLWB Withdrawal Rate will apply. Your GLWB Withdrawal Rate is determined by when you take your first withdrawal after the Lifetime Withdrawal Age and is independent of your election of payments using the applicable Single or Joint Lifetime Guarantee Rate when your Account Value is reduced to zero.</span>