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<div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT </div><div style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Effective as of the date of this supplement, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Appendix A: Investment Options Available Under the Contract</div></div> (“Appendix A”) in the prospectuses and the updating summary prospectuses is deleted and replaced with the following Appendix A to reflect changes to the footnotes addressing the availability of certain strategies in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">California</div></div>. </div><div style="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT </div><div style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following is a list of Indexed Strategies currently available under the Contract. We may change the features of the Indexed Strategies listed below (including the Index and the current limits on Index gains and losses), offer new Indexed Strategies, and terminate existing Indexed Strategies. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at <div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">www.massmutualascend.com/index-summit-6-pro</div></div></div>. For additional information about the features of the Indexed Strategies, please see the “Indexed Strategies” section in the prospectus. The practical availability of investment options at the time of sale may vary depending on the broker-dealer through which the Contract is sold. See Appendix D – Financial Intermediary Variations in the prospectus. </div><div style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Note: If amounts are removed from an Indexed Strategy before the end of its Term, we will apply a Daily Value Percentage adjustment. This may result in a significant reduction in your Strategy value that could exceed any protection from Index loss that would be in place if you held the Indexed Strategy until the end of the Term. You may not be able to invest in certain Indexed Strategies, as noted below. </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt;width:100%;border-spacing:0;margin:0 auto">
<tr>
<td style="width:28%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:23%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:24%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: "Times New Roman"; font-weight: bold; text-align: center; line-height: normal;">Index</div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of Index</div></div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: "Times New Roman"; font-weight: bold; text-align: center; line-height: normal;">Current Limit on Index Loss (if held<br/> until end of Term)</div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: "Times New Roman"; font-weight: bold; text-align: center; line-height: normal;">Minimum Limit on Index Gain (for the life of<br/> the Indexed Strategy)</div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Performance<br/> Lock <div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">5</div></div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">0% Floor</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">-10% Floor</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Trigger Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Dual Performance Trigger Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Trigger Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">50% Downside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">50% Downside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">2 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">50% Downside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">2 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">50% Downside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 2</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">3 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate & 1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 2</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">3 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate & 1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 3</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">6 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate & 1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 3</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">6 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate & 1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">iShares MSCI EAFE ETF<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">ETF</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">-10% Floor</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">iShares MSCI EAFE ETF</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">ETF</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">50% Downside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">iShares U.S. Real Estate ETF<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">ETF</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">-10% Floor</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">iShares U.S. Real Estate ETF</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">ETF</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">50% Downside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">SPDR Gold Shares ETF<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">ETF</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">-10% Floor</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">N/A</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">First Trust Barclays Edge<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">First Trust Barclays Edge<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">1</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">50% Downside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 4</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 4</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1 Year</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 2</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">3 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate & 1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 2</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">3 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate & 1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 3</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">6 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate & 1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: "Times New Roman"; text-align: center; line-height: normal;">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 3</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">6 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">5% Upside Participation Rate & 1% Cap</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;white-space:nowrap;text-align:center">Available</td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">1</div> </td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: "Times New Roman"; text-align: left; line-height: normal;">These Strategies are not available for Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Missouri</div></div> with a Contract Effective Date before May 21, 2025. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">2</div></td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: "Times New Roman"; text-align: left; line-height: normal;">These Strategies are not available for Contracts with a Contract Effective Date before May 21, 2025. For Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">California </div></div>on or after January 7, 2026, these Strategies are not available for Terms beginning before July 21, 2026. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">3</div></td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: "Times New Roman"; text-align: left; line-height: normal;">These Strategies are not available for Contracts with a Contract Effective Date before January 7, 2026. They are not available for Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">California</div></div> with a Contract Effective Date before July 21, 2026. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">4</div></td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: "Times New Roman"; text-align: left; line-height: normal;">These Strategies are not available for Contracts with a Contract Effective Date before May 21, 2025. For Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">California </div></div>on or after May 21, 2025, these Strategies are not available for Terms beginning before January 7, 2026. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">5</div> </td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: "Times New Roman"; text-align: left; line-height: normal;">Performance Lock is not available for Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Missouri</div></div> with a Contract Effective Date before May 21, 2025. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following eight additional Indexed Strategies are available for Contracts with a Contract Effective Date before February 21, 2026. For Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">California, </div></div>they are available for Contracts issued with a Contract Effective Date before September 7, 2026. </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt;width:100%;border-spacing:0;margin:0 auto">
<tr>
<td style="width:28%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:23%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:24%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: "Times New Roman"; font-weight: bold; text-align: center; line-height: normal;">Index</div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of Index</div></div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: "Times New Roman"; font-weight: bold; text-align: center; line-height: normal;">Current Limit on Index Loss (if held<br/> until end of Term)</div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: "Times New Roman"; font-weight: bold; text-align: center; line-height: normal;">Minimum Limit on Index Gain (for the life of<br/> the Indexed Strategy)</div></td>
<td style="vertical-align: bottom; padding-bottom: 0.5pt;"> </td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Performance<br/> Lock <div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">3</div></div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:bottom;text-align:center">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">3 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:bottom;text-align:center">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">3 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:bottom;text-align:center">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">6 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:bottom;text-align:center">S&P 500<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">6 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:bottom;text-align:center">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">3 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:bottom;text-align:center">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">3 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt;background-color:#cceeff">
<td style="vertical-align:bottom;text-align:center">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">6 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">10% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Available</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<td style="vertical-align:bottom;text-align:center">Russell 2000<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">®</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Market Index</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">6 Years</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">20% Buffer</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">5% Upside Participation Rate</td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom;text-align:center">Available<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px"> </div></td></tr></table><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">1</div> </td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: "Times New Roman"; text-align: left; line-height: normal;">These Strategies are not available for Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Missouri</div></div> with a Contract Effective Date before May 21, 2025. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">2</div></td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: "Times New Roman"; text-align: left; line-height: normal;">These Strategies are not available for Contracts with a Contract Effective Date before May 21, 2025. For Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">California </div></div>on or after May 21, 2025, these Strategies are not available for Terms beginning before January 7, 2026. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">3</div> </td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: "Times New Roman"; text-align: left; line-height: normal;">Performance Lock is not available for Contracts issued in <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Missouri</div></div> with a Contract Effective Date before May 21, 2025. </div></td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">S&P 500</div></div> is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities composing the Index. This will reduce the Index return and cause the Index to underperform a direct investment in the securities composing the Index. </div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">iShares MSCI EAFE ETF</div></div> deducts fees and costs when calculating Index performance. This will reduce the ETF’s return and cause the ETF to underperform a direct investment in the securities composing the ETF. </div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">iShares U.S. Real Estate ETF</div></div> deducts fees and costs when calculating Index performance. This will reduce the ETF’s return and cause the ETF to underperform a direct investment in the securities composing the ETF. </div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">SPDR Gold Shares ETF</div></div> deducts fees and costs when calculating Index performance. This will reduce the ETF’s return and cause the ETF to underperform a direct investment in gold bullion. </div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">First Trust Barclays Edge</div></div> is an “excess return index” that subtracts a risk-free interest rate from the price and dividend return of the securities. It also deducts fees and costs when calculating Index performance. This will reduce the Index’s return and cause the Index to underperform a direct investment in the securities composing the Index. </div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Russell 2000</div></div> is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities composing the Index. This will reduce the Index return and cause the Index to underperform a direct investment in the securities composing the Index. </div>
S&P 500
Market Index
P1Y
0
Floor
0.01
Cap
S&P 500
Market Index
P1Y
-0.10
Floor
0.01
Cap
S&P 500
Market Index
P1Y
0.10
Buffer
0.01
Cap
S&P 500
Market Index
P1Y
0.10
Buffer
0.01
Trigger Rate
S&P 500
Market Index
P1Y
0.10
Buffer
0.01
Dual Performance Trigger Rate
S&P 500
Market Index
P1Y
0.20
Buffer
0.01
Cap
S&P 500
Market Index
P1Y
0.20
Buffer
0.01
Trigger Rate
S&P 500
Market Index
P1Y
0.50
Downside Participation Rate
0.01
Cap
S&P 500
Market Index
P1Y
0.50
Downside Participation Rate
0.05
Upside Participation Rate
S&P 500
Market Index
P2Y
0.50
Downside Participation Rate
0.01
Cap
S&P 500
Market Index
P2Y
0.50
Downside Participation Rate
0.05
Upside Participation Rate
S&P 500
Market Index
P3Y
0.10
Buffer
0.05
Upside Participation Rate & 1% Cap
S&P 500
Market Index
P3Y
0.20
Buffer
0.05
Upside Participation Rate & 1% Cap
S&P 500
Market Index
P6Y
0.10
Buffer
0.05
Upside Participation Rate & 1% Cap
S&P 500
Market Index
P6Y
0.20
Buffer
0.05
Upside Participation Rate & 1% Cap
iShares MSCI EAFE ETF
ETF
P1Y
-0.10
Floor
0.01
Cap
iShares MSCI EAFE ETF
ETF
P1Y
0.50
Downside Participation Rate
0.05
Upside Participation Rate
iShares U.S. Real Estate ETF
ETF
P1Y
-0.10
Floor
0.01
Cap
iShares U.S. Real Estate ETF
ETF
P1Y
0.50
Downside Participation Rate
0.05
Upside Participation Rate
SPDR Gold Shares ETF
ETF
P1Y
-0.10
Floor
0.01
Cap
First Trust Barclays Edge
Market Index
P1Y
0.10
Buffer
0.05
Upside Participation Rate
First Trust Barclays Edge
Market Index
P1Y
0.50
Downside Participation Rate
0.05
Upside Participation Rate
Russell 2000
Market Index
P1Y
0.10
Buffer
0.01
Cap
Russell 2000
Market Index
P1Y
0.20
Buffer
0.01
Cap
Russell 2000
Market Index
P3Y
0.10
Buffer
0.05
Upside Participation Rate & 1% Cap
Russell 2000
Market Index
P3Y
0.20
Buffer
0.05
Upside Participation Rate & 1% Cap
Russell 2000
Market Index
P6Y
0.10
Buffer
0.05
Upside Participation Rate & 1% Cap
Russell 2000
Market Index
P6Y
0.20
Buffer
0.05
Upside Participation Rate & 1% Cap
S&P 500
Market Index
P3Y
0.10
Buffer
0.05
Upside Participation Rate
S&P 500
Market Index
P3Y
0.20
Buffer
0.05
Upside Participation Rate
S&P 500
Market Index
P6Y
0.10
Buffer
0.05
Upside Participation Rate
S&P 500
Market Index
P6Y
0.20
Buffer
0.05
Upside Participation Rate
Russell 2000
Market Index
P3Y
0.10
Buffer
0.05
Upside Participation Rate
Russell 2000
Market Index
P3Y
0.20
Buffer
0.05
Upside Participation Rate
Russell 2000
Market Index
P6Y
0.10
Buffer
0.05
Upside Participation Rate
Russell 2000
Market Index
P6Y
0.20
Buffer
0.05
Upside Participation Rate
These Strategies are not available for Contracts issued in Missouri with a Contract Effective Date before May 21, 2025.
These Strategies are not available for Contracts with a Contract Effective Date before May 21, 2025. For Contracts issued in California on or after January 7, 2026, these Strategies are not available for Terms beginning before July 21, 2026.
These Strategies are not available for Contracts with a Contract Effective Date before January 7, 2026. They are not available for Contracts issued in California with a Contract Effective Date before July 21, 2026.
These Strategies are not available for Contracts with a Contract Effective Date before May 21, 2025. For Contracts issued in California on or after May 21, 2025, these Strategies are not available for Terms beginning before January 7, 2026.