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font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">declines in value.</div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Positive returns are credited based on a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">“</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">” that may limit or enhance </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> returns on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">. An </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> may also </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">include a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> feature that allows </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> to lock in the value of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> before the end of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Protection Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> absorbs negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index Performance</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">by protecting against losses up to the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer Rate</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">. The </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer Rate</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> is the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">maximum loss we will protect </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> from at the end of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index Performance</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> is negative, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> will be subject to any loss that exceeds the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer Rate</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">For </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">example, if the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> return is -25% and the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer Rate</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> is -10%, we will credit -15% (the amount </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">that exceeds the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer Rate</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">) at the end of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">, meaning the amount </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> invested in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> will decrease by 15%.</div> <div style="line-height:1.0pt;margin-top:5pt;text-align:left"><div style="margin-top:5pt"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:458pt"> <tr style="height:40.5pt"> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:387.5pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:6pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">FEES, EXPENSES, AND ADJUSTMENTS</div></div></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:70.5pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">LOCATION </div></div></div><div style="margin-left:3.75pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">IN THE </div></div></div><div style="margin-left:3.75pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">PROSPECTUS</div></div></div></div></td></tr> <tr style="height:292.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.375pt;padding-top:2.125pt;vertical-align:Top;width:70.5pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:6pt;margin-right:3.75pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Charges or </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">for Early </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Withdrawals?</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.375pt;padding-top:2.125pt;vertical-align:Top;width:317pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Yes.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> withdraw money from </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Contract within 6 years following Contract </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">issuance, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> may be assessed a surrender charge of up to 8% of the amount </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawn in excess of the free withdrawal amount. The free withdrawal </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">amount is the greater of (i) 10% of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as of the most recent </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (or, in the first </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Year</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, 10% of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> premium </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">payment) or (ii) </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> RMD under our automatic RMD program.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> take an early withdrawal, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> could pay a surrender charge </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of up to $7,200 on a $100,000 investment, assuming </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">$100,000 at the time of the withdrawal. This loss will be greater if there is a </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment, taxes, or tax penalties.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If all or a portion of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is removed from an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> prior to the </div> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">end of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, it will be subject to an adjustment due to the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, which may be negative.<div style="display:inline;"> </div> A negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment could </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">result in losses as high as 100%. The maximum loss could occur in extreme </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">circumstances due to a negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment.. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">allocate $100,000 to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> with a 3 year </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> and later withdraw </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the entire amount before the 3 years have ended, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> could lose up to $100,000 </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> investment. This loss will be greater if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> also have to pay a surrender </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">charge, taxes, and tax penalties. Transactions that are subject to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment include (i) taking a withdrawal or surrendering </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Contract, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">including the deduction of applicable surrender charges and/or premium taxes, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(ii) exercising the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> feature (if available), (iii) annuitization, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(iv) the payment of the Standard Death Benefit, and (v) exercising </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> right to </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return the Contract (unless the return of premium is greater).</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.375pt;padding-top:2.125pt;vertical-align:Top;width:70.5pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:6pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fee Tables</div></div><div style="margin-left:3.75pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Charges and </div></div><div style="margin-left:3.75pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Adjustments</div></div></div></td></tr> <tr style="height:44pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.375pt;padding-top:3.375pt;vertical-align:Top;width:70.5pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Transaction </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Charges?</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.375pt;padding-top:3.375pt;vertical-align:Top;width:317pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">No.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Other than surrender charges and any negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustments, th<div style="display:inline;">ere</div> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">are no charges for other Contract transactions.</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.375pt;padding-top:3.375pt;vertical-align:Top;width:70.5pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left:3.75pt;margin-right:6pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td></tr> <tr style="height:171.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.375pt;vertical-align:Top;width:70.5pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ongoing Fees </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">and </div></div></div><div style="margin-left:6pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses?</div></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.375pt;vertical-align:Top;width:317pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although we do not charge </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> a direct fee to invest in the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> optio<div style="display:inline;">ns,</div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">there is an implicit ongoing fee associated with the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> because the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">amount </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> can earn on an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will be limited to the extent the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">return exceeds (i) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (if any) under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par &amp; Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, or (ii) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Dual </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Direction Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Step-Up Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Dual </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Direction Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Step-Up Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, respectfully. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns will also be reduced by the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par &amp; Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The </div></div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">application of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> may cause </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns under the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> to be lower than the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index’s</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">In return for accepting this</div></div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">limit on </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> gains, </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> receive some protection from </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> losses </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">through the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns could be limited if the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Participation Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> is below 100%.</div></div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:3.375pt;vertical-align:Top;width:70.5pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:6pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Investment </div></div><div style="margin-left:3.75pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategies – </div></div><div style="margin-left:3.75pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting </div></div><div style="margin-left:3.75pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategies.</div></div></div></td></tr></table> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Yes.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> withdraw money from </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Contract within 6 years following Contract </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">issuance, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> may be assessed a surrender charge of up to 8% of the amount </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawn in excess of the free withdrawal amount. The free withdrawal </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">amount is the greater of (i) 10% of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as of the most recent </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (or, in the first </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Year</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, 10% of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> premium </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">payment) or (ii) </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> RMD under our automatic RMD program.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> take an early withdrawal, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> could pay a surrender charge </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of up to $7,200 on a $100,000 investment, assuming </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">$100,000 at the time of the withdrawal. This loss will be greater if there is a </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment, taxes, or tax penalties.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If all or a portion of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is removed from an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> prior to the </div> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">end of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, it will be subject to an adjustment due to the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, which may be negative.<div style="display:inline;"> </div> A negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment could </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">result in losses as high as 100%. The maximum loss could occur in extreme </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">circumstances due to a negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment.. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">allocate $100,000 to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> with a 3 year </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> and later withdraw </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the entire amount before the 3 years have ended, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> could lose up to $100,000 </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> investment. This loss will be greater if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> also have to pay a surrender </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">charge, taxes, and tax penalties. Transactions that are subject to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment include (i) taking a withdrawal or surrendering </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Contract, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">including the deduction of applicable surrender charges and/or premium taxes, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(ii) exercising the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> feature (if available), (iii) annuitization, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(iv) the payment of the Standard Death Benefit, and (v) exercising </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> right to </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return the Contract (unless the return of premium is greater).</div></div> 6 0.08 7200 <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If all or a portion of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is removed from an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> prior to the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">end of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, it will be subject to an adjustment due to the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim </div>Valuewhichmaybe negative. 1 <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">allocate $100,000 to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> with a 3 year </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> and later withdraw </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the entire amount before the 3 years have ended, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> could lose up to $100,000 </div></div></div>ofyourinvestment. 100000 <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">No.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Other than surrender charges and any negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustments, th<div style="display:inline;">ere</div> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">are no charges for other Contract transactions.</div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although we do not charge </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> a direct fee to invest in the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> optio<div style="display:inline;">ns,</div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">there is an implicit ongoing fee associated with the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> because the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">amount </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> can earn on an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will be limited to the extent the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">return exceeds (i) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (if any) under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par &amp; Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, or (ii) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Dual </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Direction Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Step-Up Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Dual </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Direction Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Step-Up Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, respectfully. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns will also be reduced by the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par &amp; Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The </div></div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">application of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> may cause </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns under the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> to be lower than the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index’s</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">In return for accepting this</div></div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">limit on </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> gains, </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> receive some protection from </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> losses </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">through the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns could be limited if the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Participation Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> is below 100%.</div></div></div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although we do not charge </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> a direct fee to invest in the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> optio<div style="display:inline;">ns,</div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">there is an implicit ongoing fee associated with the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> because the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">amount </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> can earn on an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will be limited to the extent the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">return exceeds (i) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (if any) under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par &amp; Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, or (ii) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Dual </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Direction Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Step-Up Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Dual </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Direction Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Step-Up Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, respectfully. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns will also be reduced by the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par &amp; Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The </div></div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">application of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> may cause </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns under the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> to be lower than the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index’s</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">In return for accepting this</div></div> </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">limit on </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> gains, </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> receive some protection from </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> losses </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">through the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns could be limited if the </div></div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Participation Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> is below 100%.</div></div></div></div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">application of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> may cause </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> to be lower than the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index’s</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns.</div></div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">In return for accepting this</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">limit on </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> gains, </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> receive some protection from </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> losses </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">through the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">You</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> can lose money by investing in the Contract, including the loss of </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">principal and previously credited earnings. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> invest in an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with the </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">lowest level of protection currently offered (the -10% </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">), </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> could </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">experience losses up to 90% at the end of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. We always </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">intend to offer the 1-Year / -10% </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> / S&amp;P 500 </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> / </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> option, subject to our right to substitute the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with one that is </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">substantially similar, which means we will always offer a strategy with a </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-10% </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">This Contract is not a short-term investment and is not appropriate for an </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investor who needs ready access to cash. Withdrawals could result in surrender </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">charges during the first six years </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> own the Contract, and may be subject to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">taxes and tax penalties (including a 10% tax penalty before age 59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5.7pt; margin-left: 0pt; position: relative; top: -2.53pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5.7pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">).</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">In addition, amounts removed from an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> prior to the end of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> may be subject to a negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment, which could result </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">in a loss that is greater than the level of protection the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Protection Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">would provide on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, or a gain that is lower than the return the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> would provide on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. The calculation of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> in connection with a withdrawal could result in the loss of </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">principal and previously credited earnings, even if the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is performing </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">positively, and such losses could be substantial.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> that is allocated to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> may only be reallocated on the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (which is also a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">) unless </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> exercise the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> feature (if available). </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> that is allocated to the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">FRS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> and any locked-in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> pursuant to the exercise of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> feature may be reallocated on the next </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If we do not receive </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> reallocation instructions at our </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Customer Service </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Office</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> by the close of business on the date the reallocation will be effected, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> will be automatically reinvested in the same Investment </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategies, if available (i.e., the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Rate Strategy Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> will be reinvested in </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">FRS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> will be reinvested in the same </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">), subject </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">to the new crediting rates. If the same </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is not available, the amount will be </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">automatically reallocated to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> with the same </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Protection Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, if available (i.e., only the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">availability of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> feature is different). If such an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">not available, the amount will be automatically reallocated to the 1-Year </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> / -10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> / S&amp;P 500 </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> / </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with Par</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> / with or without </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (depending on availability). Any reallocation absent </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">instruction may not be satisfactory to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">This Contract is not a short-term investment and is not appropriate for an </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investor who needs ready access to cash. Withdrawals could result in surrender </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">charges during the first six years </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> own the Contract, and may be subject to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">taxes and tax penalties (including a 10% tax penalty before age 59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5.7pt; margin-left: 0pt; position: relative; top: -2.53pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5.7pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">).</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">In addition, amounts removed from an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> prior to the end of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> may be subject to a negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> adjustment, which could result </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">in a loss that is greater than the level of protection the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Protection Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">would provide on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, or a gain that is lower than the return the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> would provide on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. The calculation of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> in connection with a withdrawal could result in the loss of </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">principal and previously credited earnings, even if the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is performing </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">positively, and such losses could be substantial.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> that is allocated to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> may only be reallocated on the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (which is also a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">) unless </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> exercise the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> feature (if available). </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> that is allocated to the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">FRS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> and any locked-in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> pursuant to the exercise of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> feature may be reallocated on the next </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If we do not receive </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> reallocation instructions at our </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Customer Service </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Office</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> by the close of business on the date the reallocation will be effected, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> will be automatically reinvested in the same Investment </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategies, if available (i.e., the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Rate Strategy Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> will be reinvested in </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">FRS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> will be reinvested in the same </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">), subject </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">to the new crediting rates. If the same </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is not available, the amount will be </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">automatically reallocated to an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> with the same </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Protection Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, if available (i.e., only the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">availability of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> feature is different). If such an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">not available, the amount will be automatically reallocated to the 1-Year </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> / -10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> / S&amp;P 500 </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> / </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with Par</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> / with or without </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (depending on availability). Any reallocation absent </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">instruction may not be satisfactory to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">An investment in the Contract is subject to the risk of poor investment </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">performance and can vary based on the performance of the Investment </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategies available under the Contract. Each </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Investment Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (including </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">FRS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">) has its own unique risks. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">You</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> should review each of the available </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Investment Strategies before making an investment decision.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> will limit positive </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> returns on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">End Date</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The application of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> may cause </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">returns under the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> to be lower than the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index’s</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> returns.</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Under the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with Par</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">your</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> return will be limited to the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">extent the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> return exceeds the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap Rate</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (if any). For example, if the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; line-height: 11pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return is 25%, the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap Rate</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is 20%, and the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Participation Rate</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 9.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is 100%, we</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">will credit 20% in interest at the end of the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, meaning the amount </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> invested in the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> will increase by 20%. If we do not declare a </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> for a particular </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return will not be limited. For </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">example, if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return is 25%, we do not declare a </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, and the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Participation Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is 125%, we will credit 31.25% in interest at the end of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, meaning the amount </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> invested in the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> will increase by </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">31.25%.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Under the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap with Par &amp; Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return will be </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">reduced by the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> and will be limited to the extent the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">exceeds the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> (if any). For example, if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return is 25%, the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is 20%, the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Participation Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is 100%, and the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is 1%, we will </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">credit 19% in interest at the end of the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. If we do not declare a </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> for a particular </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return will not be limited, but </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">will still be reduced by the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. For example, if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return is 25%, we </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">do not declare a </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Participation Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is 125%, and the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">1%, we will credit 30% in interest at the end of the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Under the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Dual Direction Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return will be </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">limited to the extent the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return exceeds the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Dual Direction Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">For example, if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return is 25% and the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Dual Direction Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">10%, we will credit 10% in interest at the end of the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Under the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Step-Up Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return will be limited </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">to the extent the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return exceeds the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Step-Up Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. For example, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return is 25% and the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Step-Up Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is 12%, we will credit </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">12% in interest at the end of the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">The </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Protection Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> of an </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> will limit negative </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> returns on the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. Under the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Buffer</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Protection Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index Performance</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">on the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is negative, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> will be subject to any loss that exceeds </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Buffer Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. For example, if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return is -25% and the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Buffer Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">-10%, we will credit -15% (the amount that exceeds the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Buffer Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">) at the end </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">of the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, meaning the amount </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> invested in the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> will </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">decrease by 15%.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">The </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Indices</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, except the SG Smart Climate </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, are “price return” </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">indices</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, not </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">“total return” </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">indices</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, and therefore they do not include income from dividends </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">or other distributions paid by their component companies. Similarly, the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">iShares® Russell 2000 ETF does not include income from dividends or other </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">distributions paid by the ETF’s component companies or any dividends or </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">distributions paid by the ETF. If dividends and other distributions were </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">included, the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> returns would be higher. The SG Smart Climate </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Value</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> reflects a negative performance adjustment, in the form of a “synthetic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">dividend,” intended to replicate the impact that an annual dividend would have </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">on the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> return. If this “synthetic dividend” was not applied, the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">return would be higher. As a result of these calculations, the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Indices</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> will </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">underperform a direct investment in the securities that compose them.</div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">An investment in the Contract is subject to the risks related to GIAC. Any </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">obligations (including under the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">FRS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> and </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">), guarantees, and benefits of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Contract are subject to our claims-paying ability. If we experience financial </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">distress, we may not be able to meet our obligations to </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. More information </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">about GIAC, including our financial strength ratings, is available by contacting </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">us at 1-888-GUARDIAN (1-888-482-7342).</div></div> <div style="line-height:11.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;font-weight:bold;margin-left:0.0pt;display:inline;">Yes</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Contract Value</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> that is allocated to an </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> may only be reallocated on the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> (which is also a </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Contract Anniversary</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">), unless </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> exercise the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Performance Lock</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> feature (if available). </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Contract Value</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> that is allocated to the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">FRS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> and any locked-in </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index Strategy Value</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> pursuant to the exercise of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Performance Lock</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> feature may be reallocated on the next </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Contract Anniversary</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">Currently all </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options and Contract features are available through </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">financial professionals selling the Contract. </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> financial professional </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">may not recommend certain </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options. </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">You</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> may obtain information </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">about the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options that are available to </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> by contacting </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">financial professional or our </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Customer Service Office</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">Certain </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> or Contract features may not be available in </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> state. See </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">Appendix B for state variations that may apply.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">You</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> may not allocate </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Contract Value</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> to an </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">would occur after the latest </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Annuity Commencement Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> (i.e., the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">Contract Anniversary</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> immediately following the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Annuitant’s</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> 100th </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">birthday).</div></div></div><div style="line-height:11.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">In addition, we reserve the right to:</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">Add or remove </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options;</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">Limit the availability of certain </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options to new Contract purchases;</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">Not include a </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Performance Lock</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> feature in the future on certain or any </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options;</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">Declare new </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap Rates</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Participation Rates</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Dual Direction Trigger Rates</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">and </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Step-Up Trigger Rates</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> for each new </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, subject to the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">stated minimum guaranteed rates for that </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> option;</div></div></div><div style="line-height:11.0pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">We may not declare a </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> for a particular </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap with Par and Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. For any such </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> which we do declare a </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Participation Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> will always equal 100% (which means it will never be </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">greater than the minimum guaranteed rate of 100%).</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">Stop offering or replace a reference </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> (including during a </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Strategy </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">Term</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">) if it is discontinued, if the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is substantially changed, if the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">Index Values</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> become unavailable, if we no longer have a license </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">agreement with the publishers of the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, or if hedging instruments </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">become difficult to acquire or the cost of hedging becomes excessive. If </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">we replace an </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, we will attempt to select a new </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> that has a </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">similar investment objective and risk profile to the original </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. The </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">replacement </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> we select may not be satisfactory to </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">; and</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:8.0pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:11.25pt;display:inline;">Limit the number of </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options offered to one. We always intend to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">offer the 1-Year / -10% </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Buffer</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> / S&amp;P 500 </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> / </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Cap with Par</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">option, subject to our right to substitute the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> with one that is </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">substantially similar, which means we will always offer a strategy with a </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">-10% </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Buffer</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. If we exercise our right to offer only this </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> option and </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> are not satisfied, </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> may invest in the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">FRS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> or surrender the Contract, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">but the surrender may incur surrender charges, may be subject to taxes </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">(including a 10% tax penalty before age 59</div><div style="color:#000000;font-family:Times New Roman;font-size:5.7pt;margin-left:0.0pt;position:relative;top:-2.53pt;display:inline;"> 1</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">∕</div><div style="color:#000000;font-family:Times New Roman;font-size:5.7pt;margin-left:0.0pt;display:inline;">2</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">) and, with respect to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">amounts surrendered from an </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> that has not been locked in prior to the</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, will be subject to an </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Interim Value</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> adjustment.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">The availability of </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> may vary depending on the broker-dealer through </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:18.0pt;display:inline;">which the contract is sold.</div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;font-weight:bold;margin-left:0.0pt;display:inline;">Yes</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">The </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Performance Lock</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> feature may not be available in the future on certain or </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">any </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options. The automatic </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Performance Lock</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> is not available with the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Dual Direction Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> or the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Step-Up Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;line-height:11.0pt;margin-left:0.0pt;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">The Return of Premium Payment Death Benefit is subject to withdrawal </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">adjustments (including any applicable surrender charges), which may be more, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">even significantly more, then the dollar amount withdrawn.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Although </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> may request a withdrawal at any time, withdrawals will always </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">be taken first from the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">FRS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, then proportionally from locked-in </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">then proportionally from </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options that are at the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, and </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">finally proportionally from </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options that are not at the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">You</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> may not request a partial withdrawal to be withdrawn from a particular </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Investment Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">. This means that if </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> wish to withdraw money from a </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">specific </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> without the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Performance Lock</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> feature before the </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> only option will be to surrender the Contract, which may incur surrender </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">charges, may be subject to taxes (including a 10% additional tax before age </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">59</div><div style="color:#000000;font-family:Times New Roman;font-size:5.7pt;margin-left:0.0pt;position:relative;top:-2.53pt;display:inline;"> 1</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">∕</div><div style="color:#000000;font-family:Times New Roman;font-size:5.7pt;margin-left:0.0pt;display:inline;">2</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">), and, with respect to amounts surrendered from an </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> prior to the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Term End Date</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">, will be subject to an </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Interim Value</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> adjustment.</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">The availability of </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> options may vary depending on the broker-dealer </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">through which the contract is sold.</div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">You</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> should consult with a tax professional to determine the tax implications of </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">an investment in, withdrawals from, and payments received under the Contract. </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">There is no tax penalty benefit if </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> purchase the Contract through a </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Traditional IRA or Roth IRA. Withdrawals are subject to ordinary income tax, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">and </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> may be subject to a 10% tax penalty if </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> withdraw money before </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">age 59</div><div style="color:#000000;font-family:Times New Roman;font-size:5.7pt;margin-left:0.0pt;position:relative;top:-2.53pt;display:inline;"> 1</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">∕</div><div style="color:#000000;font-family:Times New Roman;font-size:5.7pt;margin-left:0.0pt;display:inline;">2</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">.</div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> financial professional may receive compensation for selling the Contract </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">to </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> in the form of commissions and non-cash compensation. This </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">compensation may influence </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> financial professional to recommend the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Contract over another investment.</div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">Some financial professionals may have a financial incentive to offer </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> a new </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">contract in place of the one </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> own. </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">You</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> should only exchange </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> contract </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">if </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> determine, after comparing the features, fees and risks of both contracts, </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">and any fees or penalties to terminate the existing contract, that it is better for </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> to purchase the new contract rather than continue to own </div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;"> existing </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:9.5pt;margin-left:0.0pt;display:inline;">contract.</div></div> <div style="line-height:12.0pt;text-align:center"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">FEE TABLES</div></div><div style="line-height:12.0pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">The following tables describe the fees, expenses, and adjustments that </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> will pay when buying, owning, </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">and surrendering or making withdrawals from an </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> or from the Contract. Please refer to </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">Contract specifications page for information about the specific fees </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> will pay each year based on the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">options </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> have elected.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div></div></div><div style="line-height:12.0pt;margin-top:12pt;text-align:justify"><div style="margin-top:12pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">The first table describes the fees and expenses that </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> will pay at the time that </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> surrender or make </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">withdrawals from the Contract. State premium taxes may also be deducted.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div></div></div><div style="line-height:14.0pt;margin-top:12pt;text-align:left"><div style="margin-top:12pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Transaction Expenses</div><div style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;display:inline;"> </div></div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;margin-left:78pt;width:300pt"> <tr style="height:auto"> <td style="vertical-align:Bottom;width:275.67pt"><div style="line-height:11pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;display:inline;">Surrender Charge (as a percentage of amount surrendered)</div><div style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;display:inline;">1</div></div></div></td> <td style="vertical-align:Bottom;width:24.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">8%</div></div></div></td></tr></table></div><div style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;display:inline;">1</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"></div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">The surrender charge will be imposed when </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> take a partial withdrawal or surrender </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> Contract during the first six </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Years</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, unless an exception applies. Each year during the first six </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Years</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, however, </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> may take withdrawals up to the “free </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">withdrawal amount” without incurring a surrender charge. The free withdrawal amount is the greater of (i) 10% of </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Value</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">as of the most recent </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Anniversary</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> (or, in the first </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Year</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, 10% of </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> total premiums paid) or (ii) </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> RMD under </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">our automatic RMD program.</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"></div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div><div style="clear:both;position:relative"> </div><div style="line-height:12.0pt;margin-left:16pt;margin-top:4pt;text-align:left"><div style="margin-top:4pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">The surrender charge grades to 0% according to the following schedule:</div><div style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;display:inline;"> </div></div></div><div style="line-height:1.0pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:456pt"> <tr style="height:17.75pt"> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:267.69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;display:inline;">Contract Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">1</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">2</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">3</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">4</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">5</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">6</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:24.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">7+</div></div></div></td></tr> <tr style="height:12.75pt"> <td style="vertical-align:Bottom;width:267.69pt"><div style="line-height:11pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;display:inline;">Surrender Charge Percentage</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">8%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">8%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">7%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">6%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">5%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">4%</div></div></div></td> <td style="vertical-align:Bottom;width:24.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">0%</div></div></div></td></tr></table></div><div style="line-height:12.0pt;margin-left:16pt;margin-top:4pt;text-align:left"><div style="margin-top:4pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">See "Charges and Adjustments" for more information.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div></div></div><div style="line-height:12.0pt;margin-top:12.0pt;text-align:justify"><div style="margin-top:12pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">portion of the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Contract Value</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> is removed from an </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> before the end of the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Strategy Term</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div></div></div><div style="line-height:14.0pt;margin-top:12.0pt;text-align:left"><div style="margin-top:12pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Adjustments</div><div style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;display:inline;"> </div></div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;margin-left:78pt;width:300pt"> <tr style="height:auto"> <td style="vertical-align:Bottom;width:265.67pt"><div style="line-height:11pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;display:inline;">Interim Value</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;display:inline;"> Adjustment Maximum Potential Loss (as a </div></div><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8pt;display:inline;">percentage of </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;display:inline;">Contract Value</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;display:inline;"> )</div><div style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;display:inline;">1</div></div></div></td> <td style="vertical-align:Bottom;width:34.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">100%</div></div></div></td></tr></table></div><div style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;display:inline;">1</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"></div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">The maximum loss could occur in extreme circumstances due to a negative </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Interim Value</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> adjustment. Transactions that are subject to </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">an </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Interim Value</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> adjustment include (i) taking a withdrawal or surrendering </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> Contract, including the deduction of applicable </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">surrender charges and/or premium taxes, (ii) exercising the </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Performance Lock</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> feature (if available), (iii) annuitization, (iv) the </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">payment of the Standard Death Benefit, and (v) exercising </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> right to return the Contract (unless the return of premium is greater). </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">See “Charges and Adjustments” for more information.</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"></div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div><div style="clear:both;position:relative"> </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">In addition to the fees described above, the amount </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> can earn on an </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> will be limited to the extent </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> return exceeds (i) the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Cap Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> (if any) under the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Cap with Par</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> or the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Cap </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">with Par &amp; Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">; (ii) the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Dual Direction Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> under the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Dual Direction </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">; or (iii) the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Step-Up Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> under the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Step-Up Trigger Rate</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">. </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Your</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> returns will also be reduced by the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> under the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Cap with Par &amp; Spread</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">. The application of the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Crediting Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> may cause </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> returns under the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">IPCS</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> to </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;display:inline;">be lower than the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Index’s</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> returns. In return for accepting this limit on </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> gains, </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> will receive some </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">protection from </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Index</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;"> losses through the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Protection Strategy</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">.</div> <div style="line-height:14.0pt;margin-top:12pt;text-align:left"><div style="margin-top:12pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">Transaction Expenses</div><div style="color:#000000;font-family:Times New Roman;font-size:1pt;font-weight:bold;line-height:1pt;display:inline;"> </div></div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;margin-left:78pt;width:300pt"> <tr style="height:auto"> <td style="vertical-align:Bottom;width:275.67pt"><div style="line-height:11pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;display:inline;">Surrender Charge (as a percentage of amount surrendered)</div><div style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;display:inline;">1</div></div></div></td> <td style="vertical-align:Bottom;width:24.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">8%</div></div></div></td></tr></table></div><div style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;display:inline;">1</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"></div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">The surrender charge will be imposed when </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> take a partial withdrawal or surrender </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> Contract during the first six </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Years</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, unless an exception applies. Each year during the first six </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Years</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, however, </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> may take withdrawals up to the “free </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">withdrawal amount” without incurring a surrender charge. The free withdrawal amount is the greater of (i) 10% of </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Value</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">as of the most recent </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Anniversary</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> (or, in the first </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Year</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, 10% of </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> total premiums paid) or (ii) </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> RMD under </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">our automatic RMD program.</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"></div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div> 0.08 <div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">The surrender charge will be imposed when </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> take a partial withdrawal or surrender </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> Contract during the first six </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Years</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, unless an exception applies. Each year during the first six </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Years</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, however, </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">you</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> may take withdrawals up to the “free </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">withdrawal amount” without incurring a surrender charge. The free withdrawal amount is the greater of (i) 10% of </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Value</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;display:inline;"> </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">as of the most recent </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Anniversary</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> (or, in the first </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Contract Year</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">, 10% of </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> total premiums paid) or (ii) </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> RMD under </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">our automatic RMD program.</div> The surrender charge grades to 0% according to the following schedule:<div style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;display:inline;"> </div><div style="line-height:1.0pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:456pt"> <tr style="height:17.75pt"> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:267.69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;display:inline;">Contract Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">1</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">2</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">3</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">4</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">5</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:27.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">6</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:24.33pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;display:inline;">7+</div></div></div></td></tr> <tr style="height:12.75pt"> <td style="vertical-align:Bottom;width:267.69pt"><div style="line-height:11pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;display:inline;">Surrender Charge Percentage</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">8%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">8%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">7%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">6%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">5%</div></div></div></td> <td style="vertical-align:Bottom;width:27.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">4%</div></div></div></td> <td style="vertical-align:Bottom;width:24.33pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;text-align:Center;white-space:nowrap"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">0%</div></div></div></td></tr></table> 1 <div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">The maximum loss could occur in extreme circumstances due to a negative </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Interim Value</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> adjustment. Transactions that are subject to </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">an </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Interim Value</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> adjustment include (i) taking a withdrawal or surrendering </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> Contract, including the deduction of applicable </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">surrender charges and/or premium taxes, (ii) exercising the </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">Performance Lock</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> feature (if available), (iii) annuitization, (iv) the </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">payment of the Standard Death Benefit, and (v) exercising </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">your</div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;"> right to return the Contract (unless the return of premium is greater). </div><div style="color:#000000;font-family:Times New Roman;font-size:8pt;display:inline;">See “Charges and Adjustments” for more information.</div> <div style="line-height:12.0pt;text-align:center"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">PRINCIPAL RISKS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:5.82pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">An investment in the Contract involves certain risks that you should consider prior to purchasing the Contract <div style="display:inline;">or</div> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">making investment decisions.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.81pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Market Risk</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.82pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">There is a risk of loss of principal and previously-credited earnings due to poor investment performance, and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">such losses may be substantial. In recent years, the financial markets have experienced periods of significant </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">volatility and negative returns, contributing to an uncertain and evolving economic environment. Financial </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">markets have been impacted by several interrelating factors, including (but not limited to) pandemics, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">geopolitical turmoil, rising inflation, economic recessions, interest rate fluctuations, and actions by governmental </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">authorities. Depending on the Investment Strategies you select and the timing of transactions you request (e.g., </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">reallocations, withdrawals, exercise of the Performance Lock feature), you may experience significant negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">returns under the Contract.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:14.0pt;margin-top:11.82pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index – Linked Option Risks</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 14pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:3.82pt;text-align:left"><div style="margin-top:4pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection Strategies</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.81pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The Protection Strategies provide downside protection from negative Index performance only on the Term End </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Date, so your risk of loss is greater on any other date during the Strategy Term. For multi-year Strategy Terms, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Protection Strategies are </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">not</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> applied on an annual basis; any negative Index Performance is measured from </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Term Start Date to the Term End Date. In other words, the limits on downside loss provided by the Protection </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy are applied to the Index Performance at the end of the Strategy Term, not during the Strategy Term or </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">over the life of the Contract. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you invest in an IPCS, you will bear the portion of loss that exceeds your </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer Rate. If you invest in an IPCS with the lowest level of protection currently offered (the -10% </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer), you could experience losses up to 90% at the end of the Strategy Term due to negative Index </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Performance. We always intend to offer the 1-Year / -10% Buffer / S&amp;P 500 Index / Cap with Par IPCS </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">option, subject to our right to substitute the Index with one that is substantially similar, which means we </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">will always offer a strategy with a -10% Buffer.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> If you reinvest your money in the same IPCS over the course </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">of multiple Strategy Terms, you may incur greater losses than the protection level provided by that IPCS over the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">course of a single Strategy Term.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.82pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategies</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.82pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The Crediting Strategies determine how positive Index performance is credited on the Term End Date, and may </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">limit or enhance your returns under the IPCS. The amount you can earn on an IPCS will be limited to the extent </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Index return exceeds (i) the Cap Rate (if any) under the Cap with Par Crediting Strategy or the Cap with Par </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">&amp; and Spread Crediting Strategy, (ii) the Dual Direction Trigger Rate under the Dual Direction Trigger Rate </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy, or (iii) the Step-Up Trigger Rate under the Step-Up Trigger Rate Crediting Strategy. Your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">returns will also be reduced by the Spread under the Cap with Par &amp; Spread Crediting Strategy. The application </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">of the Crediting Strategy may cause your returns under the IPCS to be lower than the Index’s returns. For </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">multi-year Strategy Terms, the Crediting Strategies are </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">not</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> applied on an annual basis; any positive Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Performance is measured from the Term Start Date to the Term End Date. In other words, the Crediting Strategy </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">will be applied to the Index Performance at the end of the Strategy Term, not during the Strategy Term or over </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the life of the Contract. Your investment in an IPCS is not an investment in the Index or the securities tracked by </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the Index.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.83pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Liquidity and Early Withdrawal Risk</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.83pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The Contract is not designed to be a short-term investment, and it is not appropriate for an investor who intends </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">to take early or frequent withdrawals.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div><div style="clear:both;margin-top:5.83pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Surrender Charges.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> If you take withdrawals or surrender your Contract during the first six Contract </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Years, a surrender charge will apply to amounts that exceed the free withdrawal amount, unless an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">exception applies</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Negative Interim Value Adjustments.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If you withdraw money from an IPCS prior to the Term E<div style="display:inline;">nd</div> Date, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the amount available for withdrawal from that IPCS is the Interim Value.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:justify;width:395.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">We calculate the Interim Value based on the value of a hypothetical portfolio of financial </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">instruments designed to replicate the Maturity Value (which is the Index Strategy Value on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Term End Date). The Interim Value could be less than your investment even if the Index is </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">performing positively.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:justify;width:395.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If you take a withdrawal, the calculation of the Interim Value could result in the loss of principal </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">and previously-credited earnings, and such losses could be substantial. A negative Interim Value </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">adjustment could result in losses as high as 100%. The maximum loss could occur in extreme </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">circumstances due to a negative Interim Value adjustment. Extreme circumstances causing a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">negative Interim Value Adjustment can be connected to several factors, including but not limited to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">trading costs and market price changes.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:justify;width:395.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Partial withdrawals (including systematic withdrawals, RMDs, and any associated charges </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">deducted) from an IPCS that has not been locked in pursuant to exercise of the Performance Lock </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">feature on any day during the Strategy Term other than the Term Start Date and the Term End Date </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">will reduce the Strategy Value Base for the IPCS (which is the base amount that is used to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">calculate the Interim Value prior to the Term End Date and the Maturity Value on the Term End </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Date) by the same percentage that the withdrawal reduced the Index Strategy Value for that IPCS, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">which may be more, even significantly more, than the dollar amount withdrawn. This means that if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">you take a withdrawal at a time when the Interim Value is less than the Strategy Value Base, the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Value Base will be reduced by more than the amount withdrawn.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:justify;width:395.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Because surrender charges are imposed when withdrawals are taken during the surrender charge </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">period and adjustments associated with the Interim Value calculation are applied when withdrawals </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">are taken prior to the Term End Date, these withdrawals can result in a loss of principal and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">previously-credited earnings even if the Index has been performing positively.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:justify;width:395.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">In addition, the Interim Value calculation could result in a loss that is greater than the level of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">protection the Protection Strategy would provide on the Term End Date, or a gain that is lower </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">than the return the Crediting Strategy would provide on the Term End Date.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:justify;width:395.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The Interim Value is also the amount available from an IPCS if you surrender or annuitize the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Contract, exercise of the Performance Lock feature (if available) or your right to return the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Contract (unless the return of premium is greater), or if a Standard Death Benefit is paid prior to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the Term End Date.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:3pt;position:relative;width:100%"><div style="float:left;line-height:12pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Value Base.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Partial withdrawals (including systematic withdrawals, RMDs, and any associated charges deducted) </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">from an IPCS that has not been locked in pursuant to exercise of the Performance Lock feature on any </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">day during the Strategy Term other than the Term Start Date and the Term End Date will reduce the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Value Base for the IPCS by the same percentage that the withdrawal reduced the Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Value for that IPCS. Such a reduction could be more, even significantly more, than the dollar </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">amount withdrawn.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The proportional reduction in your Strategy Value Base could be greater than the dollar amount of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawal depending on whether the Interim Value of the IPCS is higher or lower than the Strategy </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Value Base of that IPCS at the time of the withdrawal. When the Interim Value is less than the Strategy </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Value Base at the time of the withdrawal, the proportional reduction will always be greater than the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">dollar amount withdrawn.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals may have more of an adverse impact on the remaining Interim Value the earlier in the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term a withdrawal is taken.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">A lower Strategy Value Base will reduce any credit amount that may be applied on the Term End Date.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"></div><br/></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">You cannot reallocate Contract Value into the IPCS to increase your Strategy Value Base during the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:3pt;position:relative;width:100%"><div style="float:left;line-height:12pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Death Benefit.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:415.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals will reduce the Standard Death Benefit on a dollar-for-dollar basis.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The Return of Premium Payment Death Benefit is subject to withdrawal adjustments (including any </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">applicable surrender charges), which may be more, even significantly more, than the dollar amount </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawn. (See “Benefits Available Under the Contract – Death Benefit.”)</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:3pt;position:relative;width:100%"><div style="float:left;line-height:12pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Withdrawal Limitation.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Amounts are withdrawn from the Investment Strategies in the order described in the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">“Reallocations and Withdrawals” section. You may not request a partial withdrawal be withdrawn from a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">particular Investment Strategy. This means that if you wish to withdraw money from a specific IPCS without </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the Performance Lock feature before the Term End Date, your only option will be to surrender the Contract, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">which may incur surrender charges, may be subject to taxes (including a 10% tax penalty before age 59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">), </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">and, with respect to any amounts surrendered from an IPCS prior to the Term End Date, will be based on the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value. The Interim Value could be less than your investment in the IPCS even if the Index is </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">performing positively. See “Charges and Adjustments – Interim Value Adjustment” for more information </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">about the calculation of the Interim Value.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:3pt;position:relative;width:100%"><div style="float:left;line-height:12pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Taxes.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Withdrawals and surrenders may result in adverse tax consequences, including a 10% tax penalty </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">before age 59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div><div><div style="clear:both;margin-top:3pt;position:relative;width:100%"><div style="float:left;line-height:12pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Account Value.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> If you take a withdrawal that would cause your Contract Value to fall below </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">$2,000, we may terminate your Contract.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Reallocation Restrictions</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Contract Value that is allocated to an IPCS may only be reallocated on the Term End Date, unless (1) you </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">exercise the Performance Lock feature (if available) or (2) the IPCS is matured early and its value reallocated to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the FRS due to discontinuation of an Index. Contract Value that is allocated to the FRS and any locked-in Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy Value pursuant to the exercise of the Performance Lock feature may only be reallocated on the next </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary. Because of these restrictions, you may not be able to change your investment selections in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">response to changes in market conditions during the investment term.</div> If you do not want to remain invested in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">your current allocations until these dates, you may surrender the Contract, which may incur surrender charges, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">may be subject to taxes (including a 10% tax penalty before age 59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">), and, with respect to any amounts </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">surrendered from an IPCS prior to the Term End Date, will be based on the Interim Value. The Interim Value </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">could be less than your investment in the IPCS even if the Index is performing positively. See “Charges and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Adjustments – Interim Value Adjustment” for more information about the calculation of the Interim Value.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:12pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">If we do not receive reallocation instructions in Good Order by the close of business on the Term End Date, your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">current allocations will be reinvested for a new term (in the same IPCS, if available) using the new crediting </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">rates. If the Term End Date is a non-Business Day, reallocation instructions must be received in Good Order no </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">later than the close of business on the Business Day prior to the Term End Date. If the same IPCS is not </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">available, the amount will be automatically reallocated to an IPCS with the same Strategy Term, Index, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Protection Strategy, and Crediting Strategy, if available (i.e., only the availability of the Performance Lock </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">feature will differ). If such an IPCS is not available, the amount will be automatically reallocated to the 1-Year </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term / -10% Buffer / S&amp;P 500 Index / Cap with Par / with or without the Performance Lock feature </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(depending on availability). This reallocation may not be satisfactory to you.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Availability of IPCS Options</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">We reserve the right to add or remove IPCS investment options. We also reserve the right to limit the availability </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">of certain IPCS to new Contract purchases. An IPCS that is currently available may not be available for </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">reallocations or reinvestment at the end of the Strategy Term (or the next Contract Anniversary after you exercise </div></div></div> <div style="line-height:12.0pt;text-align:justify"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Performance Lock feature, if applicable). Certain IPCS may not be available through your financial </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">professional. You may obtain information about the IPCS options that are available to you by contacting your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">financial professional or our Customer Service Office.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="line-height:12.0pt;margin-top:11.95pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">We may limit the number of IPCS options offered to one. We intend always to offer the 1-Year / -10% Buffer / </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500 Index / Cap with Par / with or without the Performance Lock feature (depending on availability), </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">subject to our right to substitute the Index, which means we will always offer a strategy with a -10% Buffer. This </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">means that it is possible that we may not offer IPCS options in the future that are attractive to you based on your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">personal preferences, risk tolerances, or time horizon. If there are no investment options you wish to select, you </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">may surrender the Contract, but the surrender may incur surrender charges, may be subject to taxes (including a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">10% tax penalty before age 59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">), and, with respect to any amounts surrendered from an IPCS prior to the Term </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">End Date, will be based on the Interim Value. The Interim Value could be less than your investment in the IPCS </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">even if the Index is performing positively. See “Charges and Adjustments – Interim Value Adjustment” for more </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">information about the calculation of the Interim Value.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.96pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Rates</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.95pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">We set crediting rates (including Cap Rates, Participation Rates, Dual Direction Trigger Rates and Step-Up </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Trigger Rates, and the FRS interest rate) at our discretion. The crediting rates for new Strategy Terms may be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">lower than your initial crediting rates, subject to guaranteed minimums. You assume the risk that the crediting </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">rates we set will be less favorable than you find acceptable. Crediting rates for new Contract purchases may be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">more favorable than the crediting rates for reallocations. We may declare different crediting rates for </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">reallocations based on your Contract Date.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.95pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Performance Lock Risk</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.96pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">You may only exercise the Performance Lock feature once during a Strategy Term for each IPCS. After you </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">exercise the Performance Lock feature, your locked-in Index Strategy Value will not increase under any </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">circumstances (even if the Index Performance is positive), and your decision to exercise the Performance Lock </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">feature cannot be revoked. Withdrawals and charges deducted from a locked-in IPCS will reduce the locked-in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value by the amount withdrawn or charge assessed, including any applicable surrender charge. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">You will not know the Interim Value used to lock in your Index Strategy Value in advance. We use the Interim </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Value calculated at the end of the Business Day on which we receive your request. You assume the risk that the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Interim Value that gets locked in will be lower than the Interim Value you last obtained. Reallocations are only </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">permitted on Contract Anniversaries. Depending on when you exercised the Performance Lock feature, your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">investment might not participate in Index Performance for as long as one year. There may not be an optimal time </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">to exercise the Performance Lock feature. Your Maturity Value may be higher if you do not exercise the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock feature. If the Performance Lock feature is exercised for an IPCS, no Crediting or Protection </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy is applied to the IPCS </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">at any time</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">, including at the time you exercise the Performance Lock feature, on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the next Contract Anniversary when the locked-in value will be reallocated or on its Term End Date.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.96pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The Performance Lock feature may not be available in the future on certain or any IPCS options. There is a risk </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">that the Performance Lock feature will not be available for a new Strategy Term of the same IPCS option when </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">your current Strategy Term ends and your money is eligible for reinvestment or reallocation. We will send you a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">notice 30 calendar days in advance of your Contract Anniversary that explains the investment options available </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">to you, including the availability of the Performance Lock feature. You may also contact us at </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">1-888-GUARDIAN (1-888-482-7342) for information about the investment options available to you. If we do </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">not receive your reallocation instructions at our Customer Service Office by the close of business on the date </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">reallocation will be effected, the amount will be automatically reinvested for a new Strategy Term in the same </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">IPCS, if available, subject to new crediting rates that we declare for the applicable Crediting Strategy. If the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Term End Date is a non-Business Day, reallocation instructions must be received in Good Order no later than the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">close of business on the prior Business Day. If the same IPCS is not available, the amount will be automatically </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">reallocated to an IPCS with the same Strategy Term, Index, Protection Strategy, and Crediting Strategy, if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">available (i.e., only the availability of the Performance Lock feature will differ). </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">This means that if you do not </div></div></div></div> <div style="line-height:12.0pt;text-align:justify"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">provide reallocation instructions, your money could be reinvested into a new Strategy Term (up to 6 years, </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">depending on your investment selections) </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">without the Performance Lock feature</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. Amounts are withdrawn </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">from the Investment Strategies in the order described in the “Reallocations and Withdrawals” section. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">You may not request a partial withdrawal be withdrawn from a particular Investment Strategy. This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">means that if you wish to withdraw money from a specific IPCS without the Performance Lock feature </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">before the Term End Date, your only option will be to surrender the Contract, which may incur surrender </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charges, may be subject to taxes (including a 10% tax penalty before age 59</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">∕</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">), and, with respect to any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">amounts surrendered from an IPCS prior to the Term End Date, will be based on the Interim Value.</div></div></div> <div style="line-height:12.0pt;margin-top:11.59pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Risks Related to the Indices</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.59pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">An investment in the Contract is subject to risks related to the reference Indices, such as:</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div><div style="clear:both;margin-top:5.59pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Discontinuation or Substitution.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> An Index may not be available the entire time you own your Contract. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If an Index is discontinued or substantially changed, or if the Index Values become unavailable, or if we </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">no longer have a license agreement with the publishers of the Index, or if hedging instruments become </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">difficult to acquire or the cost of hedging becomes excessive, we may substitute the Index with a new </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index. If we replace an Index, we will attempt to select a new Index that has a similar investment </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">objective and risk profile to the original Index. Such replacement Index may not be satisfactory to you. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">An Index substitution will not affect the Protection Strategy or Crediting Strategy for the IPCS. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">However, the performance of the new Index may differ from the original Index. This may negatively </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">affect the amount credited to the IPCS at the end of the Strategy Term or the Interim Value available for </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock. Because reallocations are only permitted at the end of the Strategy Term, if you do </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">not want to remain invested in the IPCS for the remainder of the Strategy Term or exercise the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock feature (if available) after we substitute the Index, you may surrender the Contract, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">which may incur surrender charges, may be subject to taxes (including a 10% tax penalty before age </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">), and, with respect to any amounts surrendered from an IPCS prior to the Term End Date, will be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">based on the Interim Value. The Interim Value could be less than your investment in the IPCS even if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the Index is performing positively. See “Charges and Adjustments – Interim Value Adjustment” for </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">more information about the calculation of the Interim Value.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:5.59pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Index Performance.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The value of each IPCS depends, in part, on the performance of a reference Index. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The performance of each Index is based on the value of its component securities, which are subject to a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">variety of complex and interrelated investment risks that you are indirectly exposed to. These risks may </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">impact financial markets generally, specific market segments, or specific issuers. The historical </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">performance of an Index does not guarantee future results. Because we measure Index Performance </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">from the Term Start Date to the Term End Date, there is a risk that the Index Performance may be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">negative or zero even if the Index performed positively at times during the Strategy Term.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:5.59pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:left;width:395.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">S&amp;P 500® Price Return Index.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-left:55pt;margin-top:5.59pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">This Index is comprised of equity securities issued by large-capitalization U.S. companies. In </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">general, it is more difficult for large-capitalization companies to change their strategies quickly in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">response to changes in their industries. Large-capitalization companies are typically more </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">well-established and have lower growth rates than small-capitalization companies.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div><div style="clear:both;margin-top:5.60pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:left;width:395.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Nasdaq-100® Price Return Index.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-left:55pt;margin-top:5.59pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">This Index is comprised of equity securities issued by large-capitalization U.S. and non-U.S. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">companies, excluding financial companies. In general, it is more difficult for large-capitalization </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">companies to change their strategies quickly in response to changes in their industries. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Large-capitalization companies are typically more well-established and have lower growth rates </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">than small-capitalization companies. Political, social and economic developments abroad and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">differences between the regulations and reporting standards and practices to which foreign issuers </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">are subject as compared to U.S. issuers may affect the Index Performance. In addition, to the extent </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the component securities are denominated in foreign currencies, their values may be subject to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">risks related to changes in currency exchange rates. Finally, companies in a particular sector may </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">not perform as well as companies in other sectors or the market as a whole.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div><div style="clear:both;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:left;width:395.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">MSCI® EAFE® Price Return Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-left:55pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">This Index is designed to follow the performance of large- and mid-capitalization companies across </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">21 developed markets around the world but excluding the U.S. and Canada. Political, social and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">economic developments abroad and differences between the regulations and reporting standards </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">and practices to which foreign issuers are subject as compared to U.S. issuers may affect the Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Performance. In addition, to the extent the component securities are denominated in foreign </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">currencies, their values may be subject to risks related to changes in currency exchange rates. Risks </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">of investing in foreign securities are generally increased by investing in emerging market countries.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:left;width:395.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">SG Smart Climate Index.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-left:55pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">This Index provides investment exposure to the performance of large-capitalization U.S. stocks </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">through its underlying index, the SG Climate Transition Risk Index (the “Underlying SG Index”). </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">These stocks are selected based on proprietary climate risk preparedness scores and certain </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">environmental, social, and governance (“ESG”) filters. In general, it is more difficult for </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">large-capitalization companies to change their strategies quickly in response to changes in their </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">industries. Large-capitalization companies are typically more well-established and have lower </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">growth rates than small-capitalization companies. This Index is also subject to several unique risks, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">including:</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:377.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">ESG Methodology.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> The Underlying SG Index is composed of stocks that are selected based on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">an ESG methodology that includes climate risk scores and ESG exclusion filters. Investors’ </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">views about ESG matters vary, and the Underlying SG Index’s ESG methodology may not </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">reflect your beliefs or values. There is no guarantee that the ESG methodology will ultimately </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">enhance the performance of the Index. Companies with lower ESG ratings may perform better </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">than companies with higher ESG ratings over the short or long term. Due to the inherent </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">difficulty of forecasting within complex systems and the general unpredictability of future </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">events, there is no guarantee that the predictive climate risk models used by the Underlying </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">SG Index will identify stocks that will perform well if climate events occur.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:377.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Performance Drag.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> The performance of the Index will always be worse than the performance </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">of the Underlying SG Index. The Index reflects deductions that reduce performance, including </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">a 1.50% negative performance adjustment and 0.50% fixed replication costs, each as an </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">annualized percentage of Index Value. In addition, the performance of the Index is reduced by </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">assumed costs of borrowing equal to the U.S. Federal Funds Rate. As of October 6, 2025, the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Federal Funds Rate was 4.09%. The U.S. Federal Funds Rate will fluctuate over time, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">and may be higher or lower in the future. Without these deductions, the performance of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index over any one year period would be higher. While these deductions are not charges under </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the Contract, they result in lower Index Values and may therefore negatively impact the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">performance of your investment.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:377.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index Disruption.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Disruptive and extraordinary events could impair the operation of the Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">or the Underlying SG Index. For example, these events could relate to the unavailability of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">necessary data to apply the ESG methodology, an insufficient number of eligible stocks, or the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">termination or breach of a third-party licensing agreement. Should a disruptive or </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">extraordinary event occur, the Index publisher may take any actions permitted by the Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">rules, such as postponing calculations or rebalances, adjusting the terms of the Index to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">preserve its economic characteristics, restating Index Values, or discontinuing the Index.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:377.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">New Index.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> The Index and the Underlying SG Index have limited performance histories. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Generally, there is less publicly available information about the Index and the Underlying SG </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index compared to more established market indices.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:377.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">In addition, although the SG Smart Climate seeks to track the performance of companies with </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">ESG characteristics, amounts invested in an IPCS linked to this Index are not an investment in </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-left:74pt;text-align:justify"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Index, the Underlying SG Index, or the component companies of the Underlying SG </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Index. Amounts you invest in the Contract become assets of the Company. The Company’s </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">assets that support its payment obligations under the Contract are not invested based on ESG </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">considerations.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div><div style="clear:both;margin-top:5.83pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:377.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">iShares® Russell 2000 ETF.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-left:55pt;margin-top:5.83pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">This Index references the performance of the iShares® Russell 2000 ETF, which is an ETF that </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">seeks to track the investment results of the Russell 2000 Index, an index composed of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">small-capitalization U.S. equities. The Russell 2000 Index measures the performance of the small </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">capitalization sector of the U.S. equity market, as defined by FTSE Russell. Compared to mid- and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">large-capitalization companies, small-capitalization companies may be less stable and more </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">susceptible to adverse developments. The securities of small-capitalization companies may be more </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">volatile and less liquid than those of mid- and large-capitalization companies. As a result, the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Index’s performance may be more volatile than that of an index with greater focus on large- or </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">mid-capitalization stocks. An ETF is also subject to several unique risks, including:</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div><div style="clear:both;margin-top:5.83pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:377.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Fees and Expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> An ETF is subject to fees and expenses, including management fees and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">transaction costs, that reduce the performance of the ETF. These fees and expenses may cause </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the Index to underperform a direct investment in the securities in which the ETF invests.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:5.83pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:377.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Tracking Error Risk.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Tracking Error Risk. An ETF seeks to track the investment results of a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">specific market index. There is no guarantee that an ETF’s investment results will have a high </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">degree of correlation to the index it seeks to track or that an ETF will achieve its investment </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">objective. An ETF may be subject to tracking error, which is the divergence of an ETF’s </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">performance from that of the index it seeks to track. This risk may be heightened during times </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">of increased market volatility or other unusual market conditions. Among other reasons, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">tracking error may result because an ETF incurs fees and expenses while the index does not.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:5.83pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:56pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:377.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Market Trading Risk.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> An ETF faces numerous market trading risks, including the potential </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">lack of an active market for fund shares, losses from trading in secondary markets, periods of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">high volatility, and disruptions in the creation/redemption process. Any of these factors, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">among others, may lead to an ETF’s shares trading at a premium or discount to net asset value.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:5.83pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:justify;width:395.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">No Dividends.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> The Index Value of a price return index generally does not include income from </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">dividends or other distributions paid by the Index’s component companies, and therefore the Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Value does not fully reflect the performance of the securities that compose the Index. If dividends </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">and other distributions were included, the Index Value would be higher. As a result, a price return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index will underperform similar portfolios from which dividends are reinvested. The SG Smart </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Climate Index Value reflects a negative performance adjustment, in the form of a “synthetic </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">dividend,” intended to replicate the impact that an annual dividend would have on the Index Value. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If this “synthetic dividend” was not applied, the Index Value would be higher. This deduction </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">results in performance drag that will cause the Index to underperform a direct investment in the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">securities that compose the Index. Index Values of the iShares® Russell 2000 ETF do not include </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">income from dividends or other distributions paid by the ETF’s component companies or any </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">dividends or distributions paid by the ETF and therefore the Index Value does not fully reflect the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">performance of the securities that compose the ETF. If dividends and other distributions were </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">included, the Index Value would be higher. As a result, The ETF will underperform similar </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">portfolios from which the ETF’s dividends and other distributions are reinvested.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:5.85pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:39pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:12.4pt;text-align:justify;width:395.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Rights in the Index.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> An investment in an IPCS is not an investment in the Index or any of its </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">component companies. You have no voting, dividend, liquidation, or other rights with respect to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the Index, its publisher, or any of the component companies. When the Index is an ETF, you are </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">not a shareholder in the ETF and you have no voting, dividend, liquidation, or other rights that </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">belong to shareholders in the ETF.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-top:11.84pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">For more information about the Indices, see Appendix C.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Risks Related to the Company</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">An investment in the Contract is subject to risks related to the Company, such as:</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Financial Strength and Claims-Paying Ability.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Any obligations (including under the FRS), guarantees </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">or benefits of the Contract are subject to our financial strength and claims-paying ability. Our </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">obligations under the Contract are supported by the assets of our general account and the separate </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">account, both of which are subject to the claims of our creditors. You may obtain information about our </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">financial condition by reviewing our financial statements included in the Statement of Additional </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Information.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:justify;width:415.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Cybersecurity and Business Continuity.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Our business is highly dependent on the effective operation of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">our computer systems and those of our service providers and intermediaries. We are vulnerable to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">disruptions from utility outages, systems failures (e.g., hardware and software malfunctions) and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">cyberattacks (including ransomware and malware attacks). Cyberattacks may be systemic (e.g., </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">our systems or those of third parties on whom we rely). The risk of cyberattacks may be higher during </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">periods of geopolitical turmoil, and the continuing use of remote or flexible work arrangements, remote </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">access tools, and mobile technology have expanded potential cyberattack surfaces. Due to the increasing </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">sophistication of cyberattacks, such cybersecurity incidents could occur and persist for an extended </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">period of time without detection Cybersecurity incidents may result in the loss, theft, misuse, release, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">corruption, and destruction of data (including confidential customer or business information), </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">interference with or denial of service, interfere with our ability to process Contract-related transactions </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(including our ability to calculate Contract Values), and may subject us to regulatory fines, litigation, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">and financial losses or cause reputational damage. We have established robust and tested plans, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">procedures and controls to identify potential threats and protect our operations. However, there can be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">no assurance that we or our service providers and intermediaries will be able to prevent cybersecurity </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">risks from affecting your Contract.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> <div style="line-height:12.0pt;margin-left:16pt;margin-top:4pt;text-align:justify"><div style="margin-top:4pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">We are also exposed to the risk of natural or man-made disasters, including (but not limited to) storms, fires, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">floods, earthquakes, public health crises, pandemics (e.g., COVID-19), malicious acts, and terrorist acts, any </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">of which could disrupt our operations and interfere with our ability to administer the Contra<div style="display:inline;">ct.</div></div></div></div> <div style="line-height:12.0pt;margin-top:11.81pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Market Risk</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.82pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">There is a risk of loss of principal and previously-credited earnings due to poor investment performance, and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">such losses may be substantial. In recent years, the financial markets have experienced periods of significant </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">volatility and negative returns, contributing to an uncertain and evolving economic environment. Financial </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">markets have been impacted by several interrelating factors, including (but not limited to) pandemics, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">geopolitical turmoil, rising inflation, economic recessions, interest rate fluctuations, and actions by governmental </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">authorities. Depending on the Investment Strategies you select and the timing of transactions you request (e.g., </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">reallocations, withdrawals, exercise of the Performance Lock feature), you may experience significant negative </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">returns under the Contract.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:14.0pt;margin-top:11.82pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index – Linked Option Risks</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 14pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:3.82pt;text-align:left"><div style="margin-top:4pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection Strategies</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.81pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The Protection Strategies provide downside protection from negative Index performance only on the Term End </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Date, so your risk of loss is greater on any other date during the Strategy Term. For multi-year Strategy Terms, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Protection Strategies are </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">not</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> applied on an annual basis; any negative Index Performance is measured from </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Term Start Date to the Term End Date. In other words, the limits on downside loss provided by the Protection </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy are applied to the Index Performance at the end of the Strategy Term, not during the Strategy Term or </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">over the life of the Contract. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you invest in an IPCS, you will bear the portion of loss that exceeds your </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer Rate. If you invest in an IPCS with the lowest level of protection currently offered (the -10% </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer), you could experience losses up to 90% at the end of the Strategy Term due to negative Index </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Performance. We always intend to offer the 1-Year / -10% Buffer / S&amp;P 500 Index / Cap with Par IPCS </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">option, subject to our right to substitute the Index with one that is substantially similar, which means we </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">will always offer a strategy with a -10% Buffer.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> If you reinvest your money in the same IPCS over the course </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">of multiple Strategy Terms, you may incur greater losses than the protection level provided by that IPCS over the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">course of a single Strategy Term.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.82pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategies</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.82pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The Crediting Strategies determine how positive Index performance is credited on the Term End Date, and may </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">limit or enhance your returns under the IPCS. The amount you can earn on an IPCS will be limited to the extent </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Index return exceeds (i) the Cap Rate (if any) under the Cap with Par Crediting Strategy or the Cap with Par </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">&amp; and Spread Crediting Strategy, (ii) the Dual Direction Trigger Rate under the Dual Direction Trigger Rate </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy, or (iii) the Step-Up Trigger Rate under the Step-Up Trigger Rate Crediting Strategy. Your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">returns will also be reduced by the Spread under the Cap with Par &amp; Spread Crediting Strategy. The application </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">of the Crediting Strategy may cause your returns under the IPCS to be lower than the Index’s returns. For </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">multi-year Strategy Terms, the Crediting Strategies are </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">not</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> applied on an annual basis; any positive Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Performance is measured from the Term Start Date to the Term End Date. In other words, the Crediting Strategy </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">will be applied to the Index Performance at the end of the Strategy Term, not during the Strategy Term or over </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the life of the Contract. Your investment in an IPCS is not an investment in the Index or the securities tracked by </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the Index.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Reallocation Restrictions</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Contract Value that is allocated to an IPCS may only be reallocated on the Term End Date, unless (1) you </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">exercise the Performance Lock feature (if available) or (2) the IPCS is matured early and its value reallocated to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the FRS due to discontinuation of an Index. Contract Value that is allocated to the FRS and any locked-in Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy Value pursuant to the exercise of the Performance Lock feature may only be reallocated on the next </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary. Because of these restrictions, you may not be able to change your investment selections in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">response to changes in market conditions during the investment term.</div> If you do not want to remain invested in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">your current allocations until these dates, you may surrender the Contract, which may incur surrender charges, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">may be subject to taxes (including a 10% tax penalty before age 59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">), and, with respect to any amounts </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">surrendered from an IPCS prior to the Term End Date, will be based on the Interim Value. The Interim Value </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">could be less than your investment in the IPCS even if the Index is performing positively. See “Charges and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Adjustments – Interim Value Adjustment” for more information about the calculation of the Interim Value.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:12pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">If we do not receive reallocation instructions in Good Order by the close of business on the Term End Date, your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">current allocations will be reinvested for a new term (in the same IPCS, if available) using the new crediting </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">rates. If the Term End Date is a non-Business Day, reallocation instructions must be received in Good Order no </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">later than the close of business on the Business Day prior to the Term End Date. If the same IPCS is not </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">available, the amount will be automatically reallocated to an IPCS with the same Strategy Term, Index, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Protection Strategy, and Crediting Strategy, if available (i.e., only the availability of the Performance Lock </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">feature will differ). If such an IPCS is not available, the amount will be automatically reallocated to the 1-Year </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term / -10% Buffer / S&amp;P 500 Index / Cap with Par / with or without the Performance Lock feature </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(depending on availability). This reallocation may not be satisfactory to you.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Contract Value that is allocated to an IPCS may only be reallocated on the Term End Date, unless (1) you </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">exercise the Performance Lock feature (if available) or (2) the IPCS is matured early and its value reallocated to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the FRS due to discontinuation of an Index. Contract Value that is allocated to the FRS and any locked-in Index </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy Value pursuant to the exercise of the Performance Lock feature may only be reallocated on the next </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary. Because of these restrictions, you may not be able to change your investment selections in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">response to changes in market conditions during the investment term.</div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Availability of IPCS Options</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">We reserve the right to add or remove IPCS investment options. We also reserve the right to limit the availability </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">of certain IPCS to new Contract purchases. An IPCS that is currently available may not be available for </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">reallocations or reinvestment at the end of the Strategy Term (or the next Contract Anniversary after you exercise </div></div></div><div style="line-height:12.0pt;text-align:justify"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">the Performance Lock feature, if applicable). Certain IPCS may not be available through your financial </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">professional. You may obtain information about the IPCS options that are available to you by contacting your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">financial professional or our Customer Service Office.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="line-height:12.0pt;margin-top:11.95pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">We may limit the number of IPCS options offered to one. We intend always to offer the 1-Year / -10% Buffer / </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500 Index / Cap with Par / with or without the Performance Lock feature (depending on availability), </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">subject to our right to substitute the Index, which means we will always offer a strategy with a -10% Buffer. This </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">means that it is possible that we may not offer IPCS options in the future that are attractive to you based on your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">personal preferences, risk tolerances, or time horizon. If there are no investment options you wish to select, you </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">may surrender the Contract, but the surrender may incur surrender charges, may be subject to taxes (including a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">10% tax penalty before age 59</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"> 1</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">∕</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;">2</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">), and, with respect to any amounts surrendered from an IPCS prior to the Term </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">End Date, will be based on the Interim Value. The Interim Value could be less than your investment in the IPCS </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">even if the Index is performing positively. See “Charges and Adjustments – Interim Value Adjustment” for more </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">information about the calculation of the Interim Value.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.96pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Rates</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.95pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">We set crediting rates (including Cap Rates, Participation Rates, Dual Direction Trigger Rates and Step-Up </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Trigger Rates, and the FRS interest rate) at our discretion. The crediting rates for new Strategy Terms may be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">lower than your initial crediting rates, subject to guaranteed minimums. You assume the risk that the crediting </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">rates we set will be less favorable than you find acceptable. Crediting rates for new Contract purchases may be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">more favorable than the crediting rates for reallocations. We may declare different crediting rates for </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">reallocations based on your Contract Date.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.95pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Performance Lock Risk</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:12.0pt;margin-top:5.96pt;text-align:justify"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">You may only exercise the Performance Lock feature once during a Strategy Term for each IPCS. After you </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">exercise the Performance Lock feature, your locked-in Index Strategy Value will not increase under any </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">circumstances (even if the Index Performance is positive), and your decision to exercise the Performance Lock </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">feature cannot be revoked. Withdrawals and charges deducted from a locked-in IPCS will reduce the locked-in </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value by the amount withdrawn or charge assessed, including any applicable surrender charge. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">You will not know the Interim Value used to lock in your Index Strategy Value in advance. We use the Interim </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Value calculated at the end of the Business Day on which we receive your request. You assume the risk that the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Interim Value that gets locked in will be lower than the Interim Value you last obtained. Reallocations are only </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">permitted on Contract Anniversaries. Depending on when you exercised the Performance Lock feature, your </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">investment might not participate in Index Performance for as long as one year. There may not be an optimal time </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">to exercise the Performance Lock feature. Your Maturity Value may be higher if you do not exercise the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Performance Lock feature. If the Performance Lock feature is exercised for an IPCS, no Crediting or Protection </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Strategy is applied to the IPCS </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">at any time</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">, including at the time you exercise the Performance Lock feature, on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">the next Contract Anniversary when the locked-in value will be reallocated or on its Term End Date.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:11.96pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The Performance Lock feature may not be available in the future on certain or any IPCS options. There is a risk </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">that the Performance Lock feature will not be available for a new Strategy Term of the same IPCS option when </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">your current Strategy Term ends and your money is eligible for reinvestment or reallocation. We will send you a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">notice 30 calendar days in advance of your Contract Anniversary that explains the investment options available </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">to you, including the availability of the Performance Lock feature. You may also contact us at </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">1-888-GUARDIAN (1-888-482-7342) for information about the investment options available to you. If we do </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">not receive your reallocation instructions at our Customer Service Office by the close of business on the date </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">reallocation will be effected, the amount will be automatically reinvested for a new Strategy Term in the same </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">IPCS, if available, subject to new crediting rates that we declare for the applicable Crediting Strategy. If the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">Term End Date is a non-Business Day, reallocation instructions must be received in Good Order no later than the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">close of business on the prior Business Day. If the same IPCS is not available, the amount will be automatically </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">reallocated to an IPCS with the same Strategy Term, Index, Protection Strategy, and Crediting Strategy, if </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">available (i.e., only the availability of the Performance Lock feature will differ). </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">This means that if you do not </div></div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">provide reallocation instructions, your money could be reinvested into a new Strategy Term (up to 6 years, </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">depending on your investment selections) </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">without the Performance Lock feature</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. Amounts are withdrawn </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">from the Investment Strategies in the order described in the “Reallocations and Withdrawals” section. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">You may not request a partial withdrawal be withdrawn from a particular Investment Strategy. This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">means that if you wish to withdraw money from a specific IPCS without the Performance Lock feature </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">before the Term End Date, your only option will be to surrender the Contract, which may incur surrender </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charges, may be subject to taxes (including a 10% tax penalty before age 59</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; position: relative; top: -2.66pt; letter-spacing: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">∕</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">), and, with respect to any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">amounts surrendered from an IPCS prior to the Term End Date, will be based on the Interim Value.</div></div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The value of each IPCS depends, in part, on the performance of a reference Index. </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The performance of each Index is based on the value of its component securities, which are subject to a </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">variety of complex and interrelated investment risks that you are indirectly exposed to. These risks may </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">impact financial markets generally, specific market segments, or specific issuers. The historical </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">performance of an Index does not guarantee future results. Because we measure Index Performance </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">from the Term Start Date to the Term End Date, there is a risk that the Index Performance may be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">negative or zero even if the Index performed positively at times during the Strategy Term.</div> <div style="line-height:12.0pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Risks Related to the Company</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">An investment in the Contract is subject to risks related to the Company, such as:</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Financial Strength and Claims-Paying Ability.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Any obligations (including under the FRS), guarantees </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">or benefits of the Contract are subject to our financial strength and claims-paying ability. Our </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">obligations under the Contract are supported by the assets of our general account and the separate </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">account, both of which are subject to the claims of our creditors. You may obtain information about our </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">financial condition by reviewing our financial statements included in the Statement of Additional </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Information.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="clear: both; position: relative; max-height: 0px;"></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">Cybersecurity and Business Continuity.</div></div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Our business is highly dependent on the effective operation of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">our computer systems and those of our service providers and intermediaries. We are vulnerable to </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">disruptions from utility outages, systems failures (e.g., hardware and software malfunctions) and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">cyberattacks (including ransomware and malware attacks). Cyberattacks may be systemic (e.g., </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">our systems or those of third parties on whom we rely). The risk of cyberattacks may be higher during </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">periods of geopolitical turmoil, and the continuing use of remote or flexible work arrangements, remote </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">access tools, and mobile technology have expanded potential cyberattack surfaces. Due to the increasing </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">sophistication of cyberattacks, such cybersecurity incidents could occur and persist for an extended </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">period of time without detection Cybersecurity incidents may result in the loss, theft, misuse, release, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">corruption, and destruction of data (including confidential customer or business information), </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">interference with or denial of service, interfere with our ability to process Contract-related transactions </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(including our ability to calculate Contract Values), and may subject us to regulatory fines, litigation, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">and financial losses or cause reputational damage. We have established robust and tested plans, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">procedures and controls to identify potential threats and protect our operations. However, there can be </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">no assurance that we or our service providers and intermediaries will be able to prevent cybersecurity </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">risks from affecting your Contract.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="clear: both; position: relative; max-height: 0px;"></div><div style="line-height:12.0pt;margin-left:16pt;margin-top:4pt;text-align:justify"><div style="margin-top:4pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">We are also exposed to the risk of natural or man-made disasters, including (but not limited to) storms, fires, </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">floods, earthquakes, public health crises, pandemics (e.g., COVID-19), malicious acts, and terrorist acts, any </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">of which could disrupt our operations and interfere with our ability to administer the Contra<div style="display:inline;">ct.</div></div></div></div> <div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;display:inline;">S&amp;P 500® Price Return Index.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div><div style="clear:both;position:relative"> </div><div style="line-height:12.0pt;margin-left:16pt;margin-top:4pt;text-align:justify"><div style="margin-top:4pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">The S&amp;P 500 includes 500 large-capitalization stocks from leading companies in leading industries of the U.S. economy. </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">This Index does not include dividends declared by any of the component companies. As a </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">result, the Index will underperform a direct investment in the securities composing the Index. Additional </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">information about the Index can be found at www.spglobal.com.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;"></div></div></div> <div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">This Index does not include dividends declared by any of the component companies. As a </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">result, the Index will underperform a direct investment in the securities composing the Index. Additional </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">information about the Index can be found at www.spglobal.com.</div> <div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;display:inline;">Nasdaq-100® Price Return Index.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div><div style="clear:both;position:relative"> </div><div style="line-height:12.0pt;margin-left:16pt;margin-top:4pt;text-align:justify"><div style="margin-top:4pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">The Nasdaq-100 Index® is designed to measure the performance of 100 of the largest Nasdaq-listed </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">non-financial companies and is home to many companies from sectors like technology, healthcare, consumer goods &amp; services, and industrials. </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">This Index does not include dividends declared by any of the component </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">companies. As a result, the Index will underperform a direct investment in the securities composing the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">Index. Additional information about the Index can be found at www.nasdaq.com.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;"></div></div></div> <div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">This Index does not include dividends declared by any of the component </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">companies. As a result, the Index will underperform a direct investment in the securities composing the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">Index. Additional information about the Index can be found at www.nasdaq.com.</div> <div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">●</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;display:inline;">MSCI® EAFE® Price Return Index.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div><div style="clear:both;position:relative"> </div><div style="line-height:12.0pt;margin-left:16pt;margin-top:4pt;text-align:justify"><div style="margin-top:4pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">The MSCI EAFE includes large- and mid-capitalization companies across 21 developed markets around the world, including countries in Europe, Australia, and the Far East, but excluding the U.S. and Canada. </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">This </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">Index does not include dividends declared by any of the component companies. As a result, the Index will </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">underperform a direct investment in the securities composing the Index. Additional information about the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">Index can be found at www.nasdaq.com.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;"></div></div></div> <div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">This </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">Index does not include dividends declared by any of the component companies. As a result, the Index will </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">underperform a direct investment in the securities composing the Index. Additional information about the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">Index can be found at www.nasdaq.com.</div> <div><div style="clear:both;margin-top:6pt;position:relative;width:100%"><div style="float:left;line-height:12pt;margin-left:18pt;text-align:left;width:4.6pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">●</div></div><div style="float:left;line-height:12pt;margin-left:13.4pt;text-align:left;width:415.00pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;display:inline;">SG Smart Climate Index.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div></div></div><div style="clear:both;position:relative"> </div></div><div style="line-height:12.0pt;margin-left:16pt;margin-top:4pt;text-align:justify"><div style="margin-top:4pt"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">The SG Smart Climate provides investment exposure to the performance of large-capitalization U.S. stocks </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">through the Underlying SG Index. These stocks are selected based on proprietary climate risk preparedness </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">scores and certain ESG filters. Climate risk generally refers to the risk of negative impacts on a company’s </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">business or financial condition due to climate-related conditions around the globe or the transition to a lower </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">carbon economy. The climate risk models used in connection with the Index seek to identify large U.S. </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">companies that are more likely to perform well in future climate scenarios. This Index is an “excess return” </div></div></div><div style="line-height:12.0pt;margin-left:16pt;text-align:justify"><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">Index. Its returns reflect the total return on an investment in the underlying component companies (includi<div style="display:inline;">ng</div> </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">reinvestment of all dividends, interest, and other income) less certain negative adjustments and deductions </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.00%;display:inline;">that reduce the performance of the Index. As a result, the Index will underperform a direct investment in the </div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;display:inline;">securities composing the Index.</div><div style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;display:inline;"> </div></div> <img alt=" " src="g119474g2imgc228062f1.jpg" style="height:221pt;width:464pt"/> <img alt=" " src="g119474g2img8520bbed2.jpg" style="height:221pt;width:464pt"/> <img alt=" " src="g119474g2img52b3a65f3.jpg" style="height:221pt;width:464pt"/> <img alt=" " src="g119474g2img581b61134.jpg" style="height:221pt;width:464pt"/> <div style="line-height:12.0pt;text-align:center"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">BENEFITS AVAILABLE UNDER THE CONTRACT</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:12.0pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following table summarizes information about the standard benefits available under the Contract. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The availability of standard benefits may vary depending on the broker-dealer through which the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract is sold. See Distributions- Broker-Dealer Contract </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Variations</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 1pt; line-height: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="line-height:1.0pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:456pt"> <tr style="height:22.75pt"> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:78pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of Benefit</div></div></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:126pt"><div style="line-height:10.0pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></div></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:78pt"><div style="line-height:10.0pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:3.85%;margin-right:3.85%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fee</div></div></div></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:174pt"><div style="line-height:10.0pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:1.72%;margin-right:0%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Restrictions/Limitations</div></div></div></div></div></td></tr> <tr style="height:394.75pt"> <td style="padding-bottom:4pt;padding-top:1.75pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Lock</div></div></div></td> <td style="padding-bottom:4pt;padding-top:1.75pt;vertical-align:Top;width:126pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Locks in the Interim Value of </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">an IPCS during the Strategy </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term. Locked in value may </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">be reallocated among the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">available Investment </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategies on the next </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary.</div></div></div></td> <td style="padding-bottom:4pt;padding-top:1.75pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">No Charge</div></div></div></td> <td style="padding-bottom:4pt;padding-top:1.75pt;vertical-align:Top;width:174pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May not be available in the future on </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">certain or any IPCS options.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May not be exercised on the Term </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Start Date or the Term End Date.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May only be exercised once during a </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term for each IPCS with </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">the Performance Lock feature, and </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">cannot be revoked once exercised.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value will </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">no longer participate in any Index </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Performance (positive or negative).</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">No Crediting or Protection Strategy </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">will be applied to the locked-in IPCS </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">at any time.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value will </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">remain in the locked-in IPCS and </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">may not be reallocated or reinvested </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">until the next Contract Anniversary.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value is </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">calculated at the end of the Business </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Day on which we receive your </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">request, and therefore may be higher </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">or lower than the Interim Value you </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">last obtained. You will not know the </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value used to lock in your </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value in advance.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Automatic trigger of Performance </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Lock is not available for IPCS with a </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Dual Direction Trigger Rate </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy and Step-Up </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger Rate Crediting Strategy.</div></div></div></td></tr> <tr style="height:59pt"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Standard Death </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Benefit</div></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:126pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pays a death benefit to your </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">designated Beneficiaries </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">equal to the Contract Value, </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subject to the FRS </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Guaranteed Surrender Value.</div></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">No Charge</div></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:174pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Owner must be 76 or older on the </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">date the application is signed.</div></div></div></td></tr> <tr style="height:79pt"> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Return of </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Premium Death </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Benefit</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:126pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pays a death benefit to your </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">designated Beneficiaries </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">equal to the greater of (i) the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Standard Death Benefit </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">described above or (ii) the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">premium payment, subject to </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawal adjustments.</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">No Charge</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:174pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Owner must be younger than 76 </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">years old on the date the application </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">is signed.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals may reduce the benefit </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">by more, even significantly more, </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">than the dollar amount withdrawn.</div></div></div></td></tr></table></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:justify"><div style="margin-top:6pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following table summarizes information about the standard benefits available under the Contract. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The availability of standard benefits may vary depending on the broker-dealer through which the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract is sold. See Distributions- Broker-Dealer Contract </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Variations</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 1pt; line-height: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="line-height:1.0pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:456pt"> <tr style="height:22.75pt"> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:78pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of Benefit</div></div></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:126pt"><div style="line-height:10.0pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></div></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:78pt"><div style="line-height:10.0pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:3.85%;margin-right:3.85%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fee</div></div></div></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:174pt"><div style="line-height:10.0pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:1.72%;margin-right:0%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Restrictions/Limitations</div></div></div></div></div></td></tr> <tr style="height:394.75pt"> <td style="padding-bottom:4pt;padding-top:1.75pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Lock</div></div></div></td> <td style="padding-bottom:4pt;padding-top:1.75pt;vertical-align:Top;width:126pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Locks in the Interim Value of </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">an IPCS during the Strategy </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term. Locked in value may </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">be reallocated among the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">available Investment </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategies on the next </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary.</div></div></div></td> <td style="padding-bottom:4pt;padding-top:1.75pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">No Charge</div></div></div></td> <td style="padding-bottom:4pt;padding-top:1.75pt;vertical-align:Top;width:174pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May not be available in the future on </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">certain or any IPCS options.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May not be exercised on the Term </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Start Date or the Term End Date.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May only be exercised once during a </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term for each IPCS with </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">the Performance Lock feature, and </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">cannot be revoked once exercised.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value will </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">no longer participate in any Index </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Performance (positive or negative).</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">No Crediting or Protection Strategy </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">will be applied to the locked-in IPCS </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">at any time.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value will </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">remain in the locked-in IPCS and </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">may not be reallocated or reinvested </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">until the next Contract Anniversary.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value is </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">calculated at the end of the Business </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Day on which we receive your </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">request, and therefore may be higher </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">or lower than the Interim Value you </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">last obtained. You will not know the </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value used to lock in your </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value in advance.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Automatic trigger of Performance </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Lock is not available for IPCS with a </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Dual Direction Trigger Rate </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy and Step-Up </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger Rate Crediting Strategy.</div></div></div></td></tr> <tr style="height:59pt"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Standard Death </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Benefit</div></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:126pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pays a death benefit to your </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">designated Beneficiaries </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">equal to the Contract Value, </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subject to the FRS </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Guaranteed Surrender Value.</div></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">No Charge</div></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:174pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Owner must be 76 or older on the </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">date the application is signed.</div></div></div></td></tr> <tr style="height:79pt"> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Return of </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Premium Death </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Benefit</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:126pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pays a death benefit to your </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">designated Beneficiaries </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">equal to the greater of (i) the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Standard Death Benefit </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">described above or (ii) the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">premium payment, subject to </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawal adjustments.</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:78pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">No Charge</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:174pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Owner must be younger than 76 </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">years old on the date the application </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">is signed.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals may reduce the benefit </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">by more, even significantly more, </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">than the dollar amount withdrawn.</div></div></div></td></tr></table></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Performance </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Lock</div></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Locks in the Interim Value of </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">an IPCS during the Strategy </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Term. Locked in value may </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">be reallocated among the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">available Investment </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategies on the next </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract Anniversary.</div></div> <div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May not be available in the future on </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">certain or any IPCS options.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May not be exercised on the Term </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Start Date or the Term End Date.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">May only be exercised once during a </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Term for each IPCS with </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">the Performance Lock feature, and </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">cannot be revoked once exercised.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value will </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">no longer participate in any Index </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Performance (positive or negative).</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">No Crediting or Protection Strategy </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">will be applied to the locked-in IPCS </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">at any time.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value will </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">remain in the locked-in IPCS and </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">may not be reallocated or reinvested </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">until the next Contract Anniversary.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Locked-in Index Strategy Value is </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">calculated at the end of the Business </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Day on which we receive your </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">request, and therefore may be higher </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">or lower than the Interim Value you </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">last obtained. You will not know the </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Interim Value used to lock in your </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Index Strategy Value in advance.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Automatic trigger of Performance </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Lock is not available for IPCS with a </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Dual Direction Trigger Rate </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Crediting Strategy and Step-Up </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger Rate Crediting Strategy.</div></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Standard Death </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Benefit</div></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pays a death benefit to your </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">designated Beneficiaries </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">equal to the Contract Value, </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subject to the FRS </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Guaranteed Surrender Value.</div></div> <div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Owner must be 76 or older on the </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">date the application is signed.</div></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Return of </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Premium Death </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Benefit</div></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pays a death benefit to your </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">designated Beneficiaries </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">equal to the greater of (i) the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Standard Death Benefit </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">described above or (ii) the </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">premium payment, subject to </div></div><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawal adjustments.</div></div> <div style="margin-left:3pt;margin-top:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Owner must be younger than 76 </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">years old on the date the application </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">is signed.</div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">●</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 10.9pt; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals may reduce the benefit </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">by more, even significantly more, </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 18pt; letter-spacing: 0px; top: 0px;display:inline;">than the dollar amount withdrawn.</div></div> <div style="line-height:14.0pt;margin-top:10.4pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index Protection and Crediting Strategies</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 14pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="line-height:12.0pt;margin-top:10.4pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The following is a list of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> currently available under the Contract. We may change the features of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">listed below (including the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> and the current limits on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> gains and losses), offer new </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">, and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">terminate existing </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">. We will provide you with written notice before making any changes other than changes </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">to current limits on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> gains. Information about current limits on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> gains is available at </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">www.guardianlife.com/annuities/rates. See “Investment Strategies – </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index Protection and Crediting Strategies </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(“IPCS”)</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">” in the prospectus for more information about the features of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:12.0pt;margin-top:10.40pt;text-align:justify"><div style="margin-top:12pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The availability of </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> may vary depending on the broker-dealer through which the contract is sold. See </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Distributions- Broker-Dealer Contract </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Variations</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="line-height:12.0pt;margin-top:10.40pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Note: If amounts are removed from an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> before the end of its </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, we will apply an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interim </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Value</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> adjustment. This may result in a significant reduction in your </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract Value</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> that could exceed any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">protection from </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> loss that would be in place if you held the option until the end of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">See “Charges and Adjustments – </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interim Value</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Adjustment” in the prospectus for more information </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">about </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interim Value</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> adjustments.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 1pt; line-height: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:456pt"> <tr style="height:57.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:69pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Rates</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(if held until</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">end of </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rates (for the life of</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:48pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;6</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Dual </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Direction </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Rate</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.75%</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Step-Up </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Rate</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% Trigger</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:48pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3; 6</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Dual </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Direction </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Rate</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.75% Trigger</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Step-Up </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Rate</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% Trigger</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:34.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr></table></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:456pt"> <tr style="height:57.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:69pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Rates</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(if held until</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">end of Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term)</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rates (for the life of</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the IPCS)</div></div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:34.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr></table></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:456pt"> <tr style="height:57.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:69pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Rates</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(if held until</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">end of Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term)</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rates (for the life of</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the IPCS)</div></div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MSCI EAFE Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">International </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MSCI EAFE Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">International </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:23.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> </div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Small Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr></table></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:456pt"> <tr style="height:57.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:69pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Rates</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(if held until</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">end of Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term)</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rates (for the life of</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the IPCS)</div></div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Small Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Small Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:23.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> </div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Small Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:12.36pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">1</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">The </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is a “price return” </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, not a “total return” </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, and therefore the performance of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> does not reflect dividends </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">declared by any of the companies included in the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> will underperform a direct </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">2</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">The </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> deducts fees and costs when calculating the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> will </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">underperform a direct investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">3</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is not available under Contracts issued in the state of New York.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">4</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after May 1, 2025.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">5</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after December 8, 2025.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">6</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">August 10, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">7</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is an exchange-traded fund (ETF), and performance does not include income from dividends or other distributions paid by </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">the ETF’s component companies or any dividends or distributions paid by the ETF, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">will underperform a direct investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">8</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is no longer available for renewal allocations effective </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">August 1, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">,</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> and is not available to new Contracts issued on or </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">after</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> August 10, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div></div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> <div style="line-height:12.0pt;margin-top:11.86pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">We always intend to offer the 1-Year / -10% </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> / S&amp;P 500 </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> / </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> option, subject </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">to our right to substitute the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with one that is substantially similar, which means we will always offer </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">a strategy with a -10% </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Buffer</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:12.0pt;margin-top:11.87pt;text-align:justify"><div style="margin-top:12pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> invest in an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, we guarantee that the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Participation </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will never be less than 100%, and the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will never be less than 1.50% for any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with a 1 </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">year </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, 5.00% for any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with a 3 year </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, and 10.00% for any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with a 6 </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">year </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. If </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> invest in an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap with Par &amp; Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, we </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">guarantee that (i) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Participation Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will never be less than 100%; (ii) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cap Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will never be less </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">than 1.50% for any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with a 1 year </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, 5.00% for any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with a 3 year </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">and 10.00% for any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with a 6 year </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">; and (iii) the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Spread</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will never be greater than </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.00% for any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with a 1 year </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. If </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">you</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> invest in an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Dual Direction Trigger </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> or the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Step-Up Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, we guarantee that the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Dual </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Direction Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will never be less than 0.75% and the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Step-Up Trigger Rate</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> will never be less than </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.00% for any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> with a 1 year </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div></div></div></div><div style="line-height:12.0pt;margin-top:11.88pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">See Appendix B for state variations that may apply.</div></div></div></div><div style="line-height:14.0pt;margin-top:11.87pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fixed Rate Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 14pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="line-height:12.0pt;margin-top:11.88pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The following describes the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Rate Strategy</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> currently available under the Contract. We may change the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">features of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">FRS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">, offer new </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">FRS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> options, and terminate the existing </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">FRS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">. We will provide </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">you</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> with written </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">notice before doing so.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 1pt; line-height: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:1.0pt;margin-top:6.0pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:420pt"> <tr style="height:15.75pt"> <td style="vertical-align:Top;width:174pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></div></div></td> <td style="vertical-align:Top;width:108pt"><div style="line-height:10.0pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:5.56%;margin-right:5.56%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></div></td> <td style="vertical-align:Top;width:138pt"><div style="line-height:10.0pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:4.35%;margin-right:0%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></div></div></div></td></tr> <tr style="height:12.75pt"> <td style="vertical-align:Top;width:174pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Rate Strategy</div></div></div></td> <td style="vertical-align:Top;width:108pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="vertical-align:Top;width:138pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">0.15%</div></div></div></td></tr></table></div> <div style="line-height:12.0pt;margin-top:10.4pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">The following is a list of </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> currently available under the Contract. We may change the features of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">listed below (including the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> and the current limits on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> gains and losses), offer new </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">, and </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">terminate existing </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">. We will provide you with written notice before making any changes other than changes </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">to current limits on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> gains. Information about current limits on </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> gains is available at </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;">www.guardianlife.com/annuities/rates. See “Investment Strategies – </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Index Protection and Crediting Strategies </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(“IPCS”)</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">” in the prospectus for more information about the features of the </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">IPCS</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:12.0pt;margin-top:10.40pt;text-align:justify"><div style="margin-top:12pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The availability of </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> may vary depending on the broker-dealer through which the contract is sold. See </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Distributions- Broker-Dealer Contract </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Variations</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; line-height: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="line-height:12.0pt;margin-top:10.40pt;text-align:justify"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Note: If amounts are removed from an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> before the end of its </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, we will apply an </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interim </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Value</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> adjustment. This may result in a significant reduction in your </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract Value</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> that could exceed any </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">protection from </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> loss that would be in place if you held the option until the end of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0%; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">See “Charges and Adjustments – </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interim Value</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Adjustment” in the prospectus for more information </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">about </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interim Value</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> adjustments.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 1pt; line-height: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:456pt"> <tr style="height:57.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:69pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Rates</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(if held until</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">end of </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rates (for the life of</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:48pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;6</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Dual </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Direction </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Rate</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.75%</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Step-Up </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Rate</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% Trigger</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:48pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3; 6</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Dual </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Direction </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Rate</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.75% Trigger</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Step-Up </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Trigger </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Rate</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% Trigger</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:34.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:456pt"> <tr style="height:57.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:69pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Rates</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(if held until</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">end of Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term)</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rates (for the life of</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the IPCS)</div></div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:34.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:456pt"> <tr style="height:57.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:69pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Rates</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(if held until</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">end of Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term)</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rates (for the life of</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the IPCS)</div></div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Non-Financial </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par &amp; </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6.00% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Spread</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MSCI EAFE Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">International </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MSCI EAFE Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">International </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Three Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:37pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Large Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities with ESG </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Characteristics</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">-30% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10.00% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:23.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> </div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Small Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; 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:456pt"> <tr style="height:57.5pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Type of Index</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:55pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:69pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protection</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Strategy Rates</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(if held until</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">end of Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term)</div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:10.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Crediting Strategy</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Rates (for the life of</div></div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the IPCS)</div></div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Small Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">One Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:26pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> </div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Small Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:12.0pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr> <tr style="height:23.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> </div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:93pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Small Cap </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equities</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Six Year</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:55pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap with </div></div><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Par</div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:69pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">20% </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Buffer</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Bottom;width:92pt"><div style="line-height:11pt;text-align:left"><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.50% Cap</div></div><div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100% Participation</div></div></div></td></tr></table><div><div style="clear:both;margin-top:12.36pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">1</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">The </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is a “price return” </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, not a “total return” </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, and therefore the performance of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> does not reflect dividends </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">declared by any of the companies included in the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> will underperform a direct </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">2</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">The </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> deducts fees and costs when calculating the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> will </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">underperform a direct investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">3</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is not available under Contracts issued in the state of New York.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">4</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after May 1, 2025.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">5</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after December 8, 2025.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">6</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">August 10, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">7</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is an exchange-traded fund (ETF), and performance does not include income from dividends or other distributions paid by </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">the ETF’s component companies or any dividends or distributions paid by the ETF, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">will underperform a direct investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">8</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is no longer available for renewal allocations effective </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">August 1, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">,</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> and is not available to new Contracts issued on or </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">after</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> August 10, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div></div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> U.S. Large Cap Equities P1Y Cap with Par -0.10 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> U.S. Large Cap Equities P1Y Cap with Par & Spread -0.10 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;6</div> </div> U.S. Large Cap Equities P1Y Dual Direction Trigger Rate -0.10 0.0075 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;5</div> </div> U.S. Large Cap Equities P1Y Step-Up Trigger Rate -0.10 0.01 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> U.S. Large Cap Equities P1Y Cap with Par -0.20 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> U.S. Large Cap Equities P1Y Cap with Par & Spread -0.20 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3; 6</div> </div> U.S. Large Cap Equities P1Y Dual Direction Trigger Rate -0.20 0.0075 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;5</div> </div> U.S. Large Cap Equities P1Y Step-Up Trigger Rate -0.20 0.01 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> U.S. Large Cap Equities P3Y Cap with Par -0.10 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> U.S. Large Cap Equities P3Y Cap with Par & Spread -0.10 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> U.S. Large Cap Equities P3Y Cap with Par -0.20 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> U.S. Large Cap Equities P3Y Cap with Par & Spread -0.20 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> U.S. Large Cap Equities P6Y Cap with Par -0.10 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> U.S. Large Cap Equities P6Y Cap with Par & Spread -0.10 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> U.S. Large Cap Equities P6Y Cap with Par -0.20 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> U.S. Large Cap Equities P6Y Cap with Par & Spread -0.20 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> U.S. Large Cap Equities P6Y Cap with Par -0.30 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return</div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> U.S. Large Cap Equities P6Y Cap with Par & Spread -0.30 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> Non-Financial Large Cap Equities P1Y Cap with Par -0.10 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> Non-Financial Large Cap Equities P1Y Cap with Par & Spread -0.10 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> Non-Financial Large Cap Equities P1Y Cap with Par -0.20 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> Non-Financial Large Cap Equities P1Y Cap with Par & Spread -0.20 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> Non-Financial Large Cap Equities P3Y Cap with Par -0.10 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> Non-Financial Large Cap Equities P3Y Cap with Par & Spread -0.10 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> Non-Financial Large Cap Equities P3Y Cap with Par -0.20 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> Non-Financial Large Cap Equities P3Y Cap with Par & Spread -0.20 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> Non-Financial Large Cap Equities P6Y Cap with Par -0.10 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> Non-Financial Large Cap Equities P6Y Cap with Par & Spread -0.10 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> Non-Financial Large Cap Equities P6Y Cap with Par -0.20 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> Non-Financial Large Cap Equities P6Y Cap with Par & Spread -0.20 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;4</div> </div> Non-Financial Large Cap Equities P6Y Cap with Par -0.30 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nasdaq-100® Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1;3;5</div> </div> Non-Financial Large Cap Equities P6Y Cap with Par & Spread -0.30 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MSCI EAFE Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> International Equities P1Y Cap with Par -0.10 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MSCI EAFE Price </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Return </div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div> </div> International Equities P1Y Cap with Par -0.20 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> U.S. Large Cap Equities with ESG Characteristics P1Y Cap with Par -0.10 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> U.S. Large Cap Equities with ESG Characteristics P1Y Cap with Par -0.20 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> U.S. Large Cap Equities with ESG Characteristics P3Y Cap with Par -0.10 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> U.S. Large Cap Equities with ESG Characteristics P3Y Cap with Par -0.20 0.05 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> U.S. Large Cap Equities with ESG Characteristics P6Y Cap with Par -0.10 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> U.S. Large Cap Equities with ESG Characteristics P6Y Cap with Par -0.20 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">SG Smart Climate </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;8</div> </div> U.S. Large Cap Equities with ESG Characteristics P6Y Cap with Par -0.30 0.10 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> U.S. Small Cap Equities P1Y Cap with Par 0.10 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> U.S. Small Cap Equities P1Y Cap with Par 0.20 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> U.S. Small Cap Equities P6Y Cap with Par 0.10 0.015 <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">iShares Russell </div></div><div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2000 ETF</div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2;3;6;7</div> </div> U.S. Small Cap Equities P6Y Cap with Par 0.20 0.015 <div><div style="clear:both;margin-top:12.36pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">1</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.0pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">The </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is a “price return” </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, not a “total return” </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, and therefore the performance of the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> does not reflect dividends </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">declared by any of the companies included in the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> will underperform a direct </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">2</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">The </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> deducts fees and costs when calculating the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> will </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">underperform a direct investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">3</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is not available under Contracts issued in the state of New York.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">4</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after May 1, 2025.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">5</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after December 8, 2025.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.86pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">6</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is only available for Contracts issued in conjunction with applications signed on or after </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">August 10, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="font-style:italic;display:inline;">7</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is an exchange-traded fund (ETF), and performance does not include income from dividends or other distributions paid by </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">the ETF’s component companies or any dividends or distributions paid by the ETF, reducing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> return. As a result, the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">will underperform a direct investment in the securities composing the </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Index</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; line-height: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:1.87pt;position:relative;width:100%"><div style="float:left;line-height:7pt;text-align:left;width:3pt"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 5pt; font-style: normal; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">8</div></div></div><div style="float:left;line-height:10pt;margin-left:13pt;text-align:left;width:435.00pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">IPCS</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> is no longer available for renewal allocations effective </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">August 1, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">,</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> and is not available to new Contracts issued on or </div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">after</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> August 10, 2026</div></div><div style="color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;; font-size: 8pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">.</div></div></div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> The surrender charge will be imposed when you take a partial withdrawal or surrender your Contract during the first six Contract Years, unless an exception applies. Each year during the first six Contract Years, however, you may take withdrawals up to the “free withdrawal amount” without incurring a surrender charge. The free withdrawal amount is the greater of (i) 10% of your Contract Value as of the most recent Contract Anniversary (or, in the first Contract Year, 10% of your total premiums paid) or (ii) your RMD under our automatic RMD program. The maximum loss could occur in extreme circumstances due to a negative Interim Value adjustment. Transactions that are subject to an Interim Value adjustment include (i) taking a withdrawal or surrendering your Contract, including the deduction of applicable surrender charges and/or premium taxes, (ii) exercising the Performance Lock feature (if available), (iii) annuitization, (iv) the payment of the Standard Death Benefit, and (v) exercising your right to return the Contract (unless the return of premium is greater). See “Charges and Adjustments” for more information.