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0.0000 0.0500 0.0500 0.0500 -0.2300 0.0500 0.0500 0.0500 -0.0190 0.2180 -0.1610 0.1840 0.0540 0.0880 -0.1680 0.1500 0.0110 0.2790 0.0000 0.0500 -0.0610 0.0500 0.0500 0.0500 -0.0680 0.0500 0.0110 0.0500 0.1950 0.1310 -0.1220 0.2370 0.1840 0.1370 -0.2160 0.1510 0.1000 0.1130 0.0500 0.0500 -0.0220 0.0500 0.0500 0.0500 -0.1160 0.0500 0.0500 0.0500 N-4 N-4 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">could lose a significant amount of money in a Strategy Account Option if the Index declines in value.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">There is no guarantee that Strategy Account Options that limit Index losses will always be offered. We reserve the right to add, replace or remove Strategy Account Options offered and limit the number of Strategy Account Options to only one. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you, including one that does not limit losses, which would mean risk of loss of the entire amount invested.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We limit the positive Index Change (or Index Change equal to or greater than zero in the case of the Trigger Upside Parameter) used in calculating the Index Credit on the Term End Date based on the Upside Parameters. The Upside Parameters include: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Cap:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Cap limits your participation in positive Index performance on the Term End Date up to and including the Cap Rate. If you select a Strategy Account Option with a Cap, and Index performance exceeds the Cap Rate, you will receive the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 15% and your Cap Rate is 10%, you will receive an Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Credit Rate of 10% on the Term End Date. The Cap Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Rate below 4%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Cap Secure:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Cap Secure limits your participation in positive Index performance each Contract Anniversary of a multi-year Term Strategy Account Option up to and including the Cap Secure Rate. The Cap Secure Rate will remain the same for the entire multi-year Term. If you select a Strategy Account Option with a Cap Secure, and Index performance exceeds the Cap Secure Rate in any year, only the Cap Secure Rate will apply for that year. The Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Credit Rate is applied at the Term End Date based upon the values measured on each Contract Anniversary (including the Term End Date). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the annual Index Change is 15% and your Cap Secure Rate is 8%, </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">your adjusted annual Index performance is 8% on that Contract Anniversary. The adjusted annual Index performance on each Contract Anniversary within the multi-year Term would be compounded to establish the Index Credit Rate on the Term End Date. For example, if the adjusted annual Index performance is 5% on each Contract Anniversary for a six-year term, the Index Credit Rate on the Term End Date would be 34.01% ({(1+5%)^6}-1=34.01%). The Cap Secure Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Secure Rate below 5%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Participation and Cap/Enhanced Participation and Cap:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Participation and Cap/Enhanced Participation and Cap limits your participation in positive Index performance on the Term End Date at a percentage equal to the Participation Rate, up to a maximum of the Cap Rate. If Index performance is positive on the Term End Date, the Participation Rate is multiplied by Index Change, and then the Index Credit Rate is the lesser of that number or the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, with a 100% Participation Rate and a 20% Cap Rate, if the Index Change is 10% on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Term End Date, we first multiply the Participation Rate of 100% by the Index Change of 10%, which equals 10%. Since 10% is less than the 20% Cap Rate, the Index Credit Rate is 10%. Therefore, you will receive an Index Credit Rate of 10%. Alternatively, with a 150% Participation Rate and 12% Cap Rate, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 150% by the Index Change of 10%, which equals 15%. Since 15% exceeds the 12% Cap Rate, the Index Credit Rate is capped at 12%. Therefore, you will receive an Index Credit Rate of 12%. While a Strategy Account Option with Enhanced Participation and Cap operates identically to a Strategy Account Option with Participation and Cap in terms of mechanics, a Strategy Account Option with Enhanced Participation and Cap provides a higher guaranteed minimum Participation Rate. Participation Rates and Cap Rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap may vary and are set independently. The Cap Rate for a Strategy Account Option with Enhanced Participation and Cap may be lower than the Cap Rate for a Strategy Account Option with Participation and Cap. In such cases, the maximum Index Credit Rate you can earn under a Strategy Account Option with Enhanced Participation and Cap may be limited, even if its Participation Rate is higher than a Strategy Account Option with Participation and Cap. Because the Cap Rate limits participation in positive Index performance, a higher Participation Rate may not result in a higher Index Credit Rate applied at the Term End Date. As a result, you may receive a lower Index Credit Rate on a Strategy Account Option with Enhanced Participation and Cap than you would on a Strategy Account Option with Participation and Cap. You should review the current rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap and consult with your financial representative to determine which best aligns with your individual investment objectives. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Participation and Cap, we will not establish a Participation Rate below 100%, or a Cap Rate below 12%. For a Strategy Account Option with Enhanced Participation and Cap, we will not establish a Participation Rate below 101%, or a Cap Rate below 24%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Dual Direction with Cap:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Dual Direction with Cap allows you to participate in positive Index performance on the Term End Date up to the Cap Rate, or the absolute value of any negative Index performance up to and including the Buffer Rate. If the positive Index performance exceeds the Cap Rate, your positive Index performance will equal the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 11% and your Cap Rate is 8%, your Index Credit Rate would be 8%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Since the Index Change was positive, the Buffer would not come into play. If the negative Index performance was within or equal to the Buffer Rate, you gain the absolute value of the negative Index performance. For example, if the Index Change is –10% and your Buffer Rate is 10%, your Index Credit Rate would be 10%. Alternatively, if the Index Change is -13% and your Buffer Rate is 10%, your Index Credit Rate would be -3%. The Cap Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Rate below 5%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Dual Direction Trigger with Cap: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Dual Direction Trigger with Cap allows you to participate in positive Index performance on the Term End Date, subject to a Cap Rate, a Trigger Rate, and the absolute value of the Buffer Rate. If the Index performance is positive and less than or equal to the absolute value of the Buffer Rate on the Term End Date, you will receive a positive Index Credit Rate equal to the Trigger Rate. If the Index performance is positive and exceeds the absolute value of the Buffer Rate on the Term End Date, you will receive a positive Index Credit Rate equal to the positive Index performance up to the Cap Rate. If the Index performance is negative and does not exceed the Buffer Rate on the Term End Date, you will receive a positive Index Credit Rate equal to the Trigger Rate. If the Index performance is negative and exceeds the Buffer Rate on the Term End Date, you will receive a negative Index Credit Rate equal to the negative Index performance in excess of the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span> <div> </div> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.60pt;text-decoration:underline;">Example 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.60pt;"> – Positive Index Change is Less than or Equal to the Absolute Value of the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> If the Index Change is +5%, your Buffer Rate is 10%, your Cap Rate is 25%, and your Trigger Rate is 24%, your Index Credit Rate would be 24%. The positive Index Change is within </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the absolute value of the Buffer Rate so the Trigger Rate applies. The Cap Rate does not apply because the positive Index Change did not exceed it.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 2</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> –Positive Index Change Exceeds the Cap Rate and the Absolute Value of the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is +26%, your Buffer Rate is 10%, your Cap Rate is 25% and your Trigger Rate is 24%, your Index Credit Rate would be 25%. Since the Index Change was positive and exceeded the absolute value of the Buffer Rate, the Trigger Rate does not apply. The Cap Rate applies, limiting your Index Credit Rate to 25%.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 3</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> – Negative Index Change Does Not Exceed the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is -6%, your Buffer Rate is 10%, your Cap Rate is 25%, and your Trigger Rate is 24%, your Index Credit Rate would be 24%. The negative Index Change did not exceed the Buffer Rate so the Trigger Rate applies. The Cap Rate does not apply because the Index Change was negative.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 4</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> – Negative Index Change Exceeds the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is -14%, your Buffer Rate is 10%, and the Trigger Rate is 24%, your Index Credit Rate would be -4% which reflects the portion of the negative Index performance beyond the Buffer Rate. The Trigger Rate does not apply because negative Index performance exceeds the Buffer Rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Cap Rate and Trigger Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Dual Direction Trigger with Cap, we will not establish a Trigger Rate below 12% or a Cap Rate below 12%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Trigger:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Trigger allows you to receive an Index Credit Rate equal to the Trigger Rate if Index performance is greater than or equal to zero on the Term End Date. If you select a Strategy Account option with a Trigger, and Index performance exceeds the Trigger Rate, you will receive the Trigger Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 2% and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than zero. However, if the Index Change is 12% and the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than the Trigger Rate. The Trigger Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Trigger Rate below 5%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed rates that may be established under the Contract for each type of limit on Index gains are: Cap Rate (no lower than 4%), Cap Secure Rate (no lower than 5%), Participation Rate (no lower than 100%), and Trigger Rate (no lower than 5%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Current Upside Parameter rates will be available from your financial representative and are always available online at www.corebridgefinancial.com/rila-rates-ny. The rates applicable to your Purchase Payment will be stated in your Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For all Strategy Account Options, you will receive an Index Credit Rate reflecting a percentage gain or loss on the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Fixed Account Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Fixed Account Option credits a fixed rate of interest daily that compounds over one year to the annual interest rate we declared for that Term. The initial interest rate for a Purchase Payment allocated to the Fixed Account Option is set on the Contract Issue Date and is guaranteed for a 1-year Term. A new interest rate will be declared before the Term End Date and will be guaranteed for the new Term. We determine the annual interest rates for new Terms at our discretion, subject to a guaranteed minimum interest rate that will never be less than 1.00%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Cap:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Cap limits your participation in positive Index performance on the Term End Date up to and including the Cap Rate. If you select a Strategy Account Option with a Cap, and Index performance exceeds the Cap Rate, you will receive the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 15% and your Cap Rate is 10%, you will receive an Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Credit Rate of 10% on the Term End Date. The Cap Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Rate below 4%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 15% and your Cap Rate is 10%, you will receive an Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Credit Rate of 10% on the Term End Date. The Cap Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Rate below 4%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Cap Secure:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Cap Secure limits your participation in positive Index performance each Contract Anniversary of a multi-year Term Strategy Account Option up to and including the Cap Secure Rate. The Cap Secure Rate will remain the same for the entire multi-year Term. If you select a Strategy Account Option with a Cap Secure, and Index performance exceeds the Cap Secure Rate in any year, only the Cap Secure Rate will apply for that year. The Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Credit Rate is applied at the Term End Date based upon the values measured on each Contract Anniversary (including the Term End Date). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the annual Index Change is 15% and your Cap Secure Rate is 8%, </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">your adjusted annual Index performance is 8% on that Contract Anniversary. The adjusted annual Index performance on each Contract Anniversary within the multi-year Term would be compounded to establish the Index Credit Rate on the Term End Date. For example, if the adjusted annual Index performance is 5% on each Contract Anniversary for a six-year term, the Index Credit Rate on the Term End Date would be 34.01% ({(1+5%)^6}-1=34.01%). The Cap Secure Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Secure Rate below 5%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the annual Index Change is 15% and your Cap Secure Rate is 8%, </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">your adjusted annual Index performance is 8% on that Contract Anniversary. The adjusted annual Index performance on each Contract Anniversary within the multi-year Term would be compounded to establish the Index Credit Rate on the Term End Date. For example, if the adjusted annual Index performance is 5% on each Contract Anniversary for a six-year term, the Index Credit Rate on the Term End Date would be 34.01% ({(1+5%)^6}-1=34.01%). The Cap Secure Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Secure Rate below 5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Participation and Cap/Enhanced Participation and Cap:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Participation and Cap/Enhanced Participation and Cap limits your participation in positive Index performance on the Term End Date at a percentage equal to the Participation Rate, up to a maximum of the Cap Rate. If Index performance is positive on the Term End Date, the Participation Rate is multiplied by Index Change, and then the Index Credit Rate is the lesser of that number or the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, with a 100% Participation Rate and a 20% Cap Rate, if the Index Change is 10% on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Term End Date, we first multiply the Participation Rate of 100% by the Index Change of 10%, which equals 10%. Since 10% is less than the 20% Cap Rate, the Index Credit Rate is 10%. Therefore, you will receive an Index Credit Rate of 10%. Alternatively, with a 150% Participation Rate and 12% Cap Rate, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 150% by the Index Change of 10%, which equals 15%. Since 15% exceeds the 12% Cap Rate, the Index Credit Rate is capped at 12%. Therefore, you will receive an Index Credit Rate of 12%. While a Strategy Account Option with Enhanced Participation and Cap operates identically to a Strategy Account Option with Participation and Cap in terms of mechanics, a Strategy Account Option with Enhanced Participation and Cap provides a higher guaranteed minimum Participation Rate. Participation Rates and Cap Rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap may vary and are set independently. The Cap Rate for a Strategy Account Option with Enhanced Participation and Cap may be lower than the Cap Rate for a Strategy Account Option with Participation and Cap. In such cases, the maximum Index Credit Rate you can earn under a Strategy Account Option with Enhanced Participation and Cap may be limited, even if its Participation Rate is higher than a Strategy Account Option with Participation and Cap. Because the Cap Rate limits participation in positive Index performance, a higher Participation Rate may not result in a higher Index Credit Rate applied at the Term End Date. As a result, you may receive a lower Index Credit Rate on a Strategy Account Option with Enhanced Participation and Cap than you would on a Strategy Account Option with Participation and Cap. You should review the current rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap and consult with your financial representative to determine which best aligns with your individual investment objectives. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Participation and Cap, we will not establish a Participation Rate below 100%, or a Cap Rate below 12%. For a Strategy Account Option with Enhanced Participation and Cap, we will not establish a Participation Rate below 101%, or a Cap Rate below 24%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Participation and Cap/Enhanced Participation and Cap:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Participation and Cap/Enhanced Participation and Cap limits your participation in positive Index performance on the Term End Date at a percentage equal to the Participation Rate, up to a maximum of the Cap Rate. If Index performance is positive on the Term End Date, the Participation Rate is multiplied by Index Change, and then the Index Credit Rate is the lesser of that number or the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, with a 100% Participation Rate and a 20% Cap Rate, if the Index Change is 10% on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Term End Date, we first multiply the Participation Rate of 100% by the Index Change of 10%, which equals 10%. Since 10% is less than the 20% Cap Rate, the Index Credit Rate is 10%. Therefore, you will receive an Index Credit Rate of 10%. Alternatively, with a 150% Participation Rate and 12% Cap Rate, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 150% by the Index Change of 10%, which equals 15%. Since 15% exceeds the 12% Cap Rate, the Index Credit Rate is capped at 12%. Therefore, you will receive an Index Credit Rate of 12%. While a Strategy Account Option with Enhanced Participation and Cap operates identically to a Strategy Account Option with Participation and Cap in terms of mechanics, a Strategy Account Option with Enhanced Participation and Cap provides a higher guaranteed minimum Participation Rate. Participation Rates and Cap Rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap may vary and are set independently. The Cap Rate for a Strategy Account Option with Enhanced Participation and Cap may be lower than the Cap Rate for a Strategy Account Option with Participation and Cap. In such cases, the maximum Index Credit Rate you can earn under a Strategy Account Option with Enhanced Participation and Cap may be limited, even if its Participation Rate is higher than a Strategy Account Option with Participation and Cap. Because the Cap Rate limits participation in positive Index performance, a higher Participation Rate may not result in a higher Index Credit Rate applied at the Term End Date. As a result, you may receive a lower Index Credit Rate on a Strategy Account Option with Enhanced Participation and Cap than you would on a Strategy Account Option with Participation and Cap. You should review the current rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap and consult with your financial representative to determine which best aligns with your individual investment objectives. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Participation and Cap, we will not establish a Participation Rate below 100%, or a Cap Rate below 12%. For a Strategy Account Option with Enhanced Participation and Cap, we will not establish a Participation Rate below 101%, or a Cap Rate below 24%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, with a 100% Participation Rate and a 20% Cap Rate, if the Index Change is 10% on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Term End Date, we first multiply the Participation Rate of 100% by the Index Change of 10%, which equals 10%. Since 10% is less than the 20% Cap Rate, the Index Credit Rate is 10%. Therefore, you will receive an Index Credit Rate of 10%. Alternatively, with a 150% Participation Rate and 12% Cap Rate, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 150% by the Index Change of 10%, which equals 15%. Since 15% exceeds the 12% Cap Rate, the Index Credit Rate is capped at 12%. Therefore, you will receive an Index Credit Rate of 12%. While a Strategy Account Option with Enhanced Participation and Cap operates identically to a Strategy Account Option with Participation and Cap in terms of mechanics, a Strategy Account Option with Enhanced Participation and Cap provides a higher guaranteed minimum Participation Rate. Participation Rates and Cap Rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap may vary and are set independently. The Cap Rate for a Strategy Account Option with Enhanced Participation and Cap may be lower than the Cap Rate for a Strategy Account Option with Participation and Cap. In such cases, the maximum Index Credit Rate you can earn under a Strategy Account Option with Enhanced Participation and Cap may be limited, even if its Participation Rate is higher than a Strategy Account Option with Participation and Cap. Because the Cap Rate limits participation in positive Index performance, a higher Participation Rate may not result in a higher Index Credit Rate applied at the Term End Date. As a result, you may receive a lower Index Credit Rate on a Strategy Account Option with Enhanced Participation and Cap than you would on a Strategy Account Option with Participation and Cap. You should review the current rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap and consult with your financial representative to determine which best aligns with your individual investment objectives. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Participation and Cap, we will not establish a Participation Rate below 100%, or a Cap Rate below 12%. For a Strategy Account Option with Enhanced Participation and Cap, we will not establish a Participation Rate below 101%, or a Cap Rate below 24%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, with a 100% Participation Rate and a 20% Cap Rate, if the Index Change is 10% on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Term End Date, we first multiply the Participation Rate of 100% by the Index Change of 10%, which equals 10%. Since 10% is less than the 20% Cap Rate, the Index Credit Rate is 10%. Therefore, you will receive an Index Credit Rate of 10%. Alternatively, with a 150% Participation Rate and 12% Cap Rate, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 150% by the Index Change of 10%, which equals 15%. Since 15% exceeds the 12% Cap Rate, the Index Credit Rate is capped at 12%. Therefore, you will receive an Index Credit Rate of 12%. While a Strategy Account Option with Enhanced Participation and Cap operates identically to a Strategy Account Option with Participation and Cap in terms of mechanics, a Strategy Account Option with Enhanced Participation and Cap provides a higher guaranteed minimum Participation Rate. Participation Rates and Cap Rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap may vary and are set independently. The Cap Rate for a Strategy Account Option with Enhanced Participation and Cap may be lower than the Cap Rate for a Strategy Account Option with Participation and Cap. In such cases, the maximum Index Credit Rate you can earn under a Strategy Account Option with Enhanced Participation and Cap may be limited, even if its Participation Rate is higher than a Strategy Account Option with Participation and Cap. Because the Cap Rate limits participation in positive Index performance, a higher Participation Rate may not result in a higher Index Credit Rate applied at the Term End Date. As a result, you may receive a lower Index Credit Rate on a Strategy Account Option with Enhanced Participation and Cap than you would on a Strategy Account Option with Participation and Cap. You should review the current rates for a Strategy Account Option with Enhanced Participation and Cap and a Strategy Account Option with Participation and Cap and consult with your financial representative to determine which best aligns with your individual investment objectives. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Participation and Cap, we will not establish a Participation Rate below 100%, or a Cap Rate below 12%. For a Strategy Account Option with Enhanced Participation and Cap, we will not establish a Participation Rate below 101%, or a Cap Rate below 24%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Dual Direction with Cap:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Dual Direction with Cap allows you to participate in positive Index performance on the Term End Date up to the Cap Rate, or the absolute value of any negative Index performance up to and including the Buffer Rate. If the positive Index performance exceeds the Cap Rate, your positive Index performance will equal the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 11% and your Cap Rate is 8%, your Index Credit Rate would be 8%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Since the Index Change was positive, the Buffer would not come into play. If the negative Index performance was within or equal to the Buffer Rate, you gain the absolute value of the negative Index performance. For example, if the Index Change is –10% and your Buffer Rate is 10%, your Index Credit Rate would be 10%. Alternatively, if the Index Change is -13% and your Buffer Rate is 10%, your Index Credit Rate would be -3%. The Cap Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Rate below 5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 11% and your Cap Rate is 8%, your Index Credit Rate would be 8%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Since the Index Change was positive, the Buffer would not come into play. If the negative Index performance was within or equal to the Buffer Rate, you gain the absolute value of the negative Index performance. For example, if the Index Change is –10% and your Buffer Rate is 10%, your Index Credit Rate would be 10%. Alternatively, if the Index Change is -13% and your Buffer Rate is 10%, your Index Credit Rate would be -3%. The Cap Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Rate below 5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Dual Direction Trigger with Cap: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Dual Direction Trigger with Cap allows you to participate in positive Index performance on the Term End Date, subject to a Cap Rate, a Trigger Rate, and the absolute value of the Buffer Rate. If the Index performance is positive and less than or equal to the absolute value of the Buffer Rate on the Term End Date, you will receive a positive Index Credit Rate equal to the Trigger Rate. If the Index performance is positive and exceeds the absolute value of the Buffer Rate on the Term End Date, you will receive a positive Index Credit Rate equal to the positive Index performance up to the Cap Rate. If the Index performance is negative and does not exceed the Buffer Rate on the Term End Date, you will receive a positive Index Credit Rate equal to the Trigger Rate. If the Index performance is negative and exceeds the Buffer Rate on the Term End Date, you will receive a negative Index Credit Rate equal to the negative Index performance in excess of the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span> <div> </div> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.60pt;text-decoration:underline;">Example 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.60pt;"> – Positive Index Change is Less than or Equal to the Absolute Value of the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> If the Index Change is +5%, your Buffer Rate is 10%, your Cap Rate is 25%, and your Trigger Rate is 24%, your Index Credit Rate would be 24%. The positive Index Change is within </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the absolute value of the Buffer Rate so the Trigger Rate applies. The Cap Rate does not apply because the positive Index Change did not exceed it.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 2</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> –Positive Index Change Exceeds the Cap Rate and the Absolute Value of the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is +26%, your Buffer Rate is 10%, your Cap Rate is 25% and your Trigger Rate is 24%, your Index Credit Rate would be 25%. Since the Index Change was positive and exceeded the absolute value of the Buffer Rate, the Trigger Rate does not apply. The Cap Rate applies, limiting your Index Credit Rate to 25%.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 3</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> – Negative Index Change Does Not Exceed the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is -6%, your Buffer Rate is 10%, your Cap Rate is 25%, and your Trigger Rate is 24%, your Index Credit Rate would be 24%. The negative Index Change did not exceed the Buffer Rate so the Trigger Rate applies. The Cap Rate does not apply because the Index Change was negative.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 4</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> – Negative Index Change Exceeds the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is -14%, your Buffer Rate is 10%, and the Trigger Rate is 24%, your Index Credit Rate would be -4% which reflects the portion of the negative Index performance beyond the Buffer Rate. The Trigger Rate does not apply because negative Index performance exceeds the Buffer Rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Cap Rate and Trigger Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Dual Direction Trigger with Cap, we will not establish a Trigger Rate below 12% or a Cap Rate below 12%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span> <div> </div> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.60pt;text-decoration:underline;">Example 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.60pt;"> – Positive Index Change is Less than or Equal to the Absolute Value of the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> If the Index Change is +5%, your Buffer Rate is 10%, your Cap Rate is 25%, and your Trigger Rate is 24%, your Index Credit Rate would be 24%. The positive Index Change is within </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the absolute value of the Buffer Rate so the Trigger Rate applies. The Cap Rate does not apply because the positive Index Change did not exceed it.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 2</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> –Positive Index Change Exceeds the Cap Rate and the Absolute Value of the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is +26%, your Buffer Rate is 10%, your Cap Rate is 25% and your Trigger Rate is 24%, your Index Credit Rate would be 25%. Since the Index Change was positive and exceeded the absolute value of the Buffer Rate, the Trigger Rate does not apply. The Cap Rate applies, limiting your Index Credit Rate to 25%.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 3</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> – Negative Index Change Does Not Exceed the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is -6%, your Buffer Rate is 10%, your Cap Rate is 25%, and your Trigger Rate is 24%, your Index Credit Rate would be 24%. The negative Index Change did not exceed the Buffer Rate so the Trigger Rate applies. The Cap Rate does not apply because the Index Change was negative.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Example 4</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> – Negative Index Change Exceeds the Buffer Rate on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If the Index Change is -14%, your Buffer Rate is 10%, and the Trigger Rate is 24%, your Index Credit Rate would be -4% which reflects the portion of the negative Index performance beyond the Buffer Rate. The Trigger Rate does not apply because negative Index performance exceeds the Buffer Rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Trigger:</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Trigger allows you to receive an Index Credit Rate equal to the Trigger Rate if Index performance is greater than or equal to zero on the Term End Date. If you select a Strategy Account option with a Trigger, and Index performance exceeds the Trigger Rate, you will receive the Trigger Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 2% and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than zero. However, if the Index Change is 12% and the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than the Trigger Rate. The Trigger Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Trigger Rate below 5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, if the Index Change is 2% and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than zero. However, if the Index Change is 12% and the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than the Trigger Rate. The Trigger Rate can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Trigger Rate below 5%.</span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">CONTRACT ADJUSTMENTS </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you make any Withdrawals (including required minimum distributions (“RMDs”), Surrenders, and free Withdrawal amounts), exercise the Performance Capture feature, annuitize your Contract or a Death Benefit is paid from a Strategy Account Option on any date prior to the Term End Date, your Contract Value in the Strategy Account Option will be its Interim Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> You could lose a significant amount of money due to the use of the Interim Value if amounts are removed from </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">a Strategy Account Option prior to the Term End Date. Your Interim Value may be less than the amount invested and may be less than the amount you would receive had you held the investment in the Strategy Account Option until the Term End Date. The Interim Value will generally be negatively affected by increases in the expected volatility of index prices, interest rate increases, and by poor market performance. All other factors being equal, the Interim Value would be lower the earlier a Withdrawal or Surrender is made during a Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.60pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you make any Withdrawals (including required minimum distributions (“RMDs”), Surrenders, and free Withdrawal amounts), exercise the Performance Capture feature, annuitize your Contract or a Death Benefit is paid from a Strategy Account Option on any date prior to the Term End Date, your Contract Value in the Strategy Account Option will be its Interim Value.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;text-transform:uppercase;">Fees, Expenses and Adjustments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:87.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">LOCATION IN </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:274pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Adjustments for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Yes.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-style:italic;margin-left:0.0pt;">Withdrawal Charges.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> If you take a Withdrawal from your Contract within </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">six</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> (6) years </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">following the Contract Issue Date, you may be assessed a Withdrawal Charge of up to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">8</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">%, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">as a percentage of the Contract Value withdrawn. For example, if you make a Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">during the Withdrawal Charge Period, you could pay a Withdrawal Charge of up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">8,000</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">on a $100,000 investment. This loss will be greater if there is a Negative Adjustment based </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">on Interim Values of the Strategy Account Options, taxes or tax penalties.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-style:italic;margin-left:0.0pt;">Interim Value Adjustments.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> Your Contract Value in a Strategy Account Option will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">adjusted to the Interim Value if all or a portion of Contract Value is removed from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Account Option during the Term. The Interim Value could be less than your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">investment in a Strategy Account Option even if the Index is performing positively. Under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">extreme conditions, you could lose up to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">% of your investment in a Strategy Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Option due to Interim Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For example, if you allocate $100,000 to a Strategy Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Option with a 6-year Term and later withdraw the entire amount before the 6 years have </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">elapsed, you could lose up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">100,000</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> of your investment. The following transactions are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">subject to the Interim Value of Strategy Account Option:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">A charge is deducted from the Strategy Account Option</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">An amount is deducted from the Strategy Account Option due to a Surrender or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Withdrawal (including a systematic Withdrawal, RMDs, free Withdrawal amounts or any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">other Withdrawal);</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">The Contract is annuitized; or</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">The Death Benefit is paid.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You may obtain the Interim Value(s) of your Strategy Account Option(s) online at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">www.corebridgefinancial.com/annuities or by contacting your financial representative.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Fee Table</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">No, other than Surrender Charges and Interim Value adjustments.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Not Applicable</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Expenses?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">No.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Under the Strategy Account Options, there is an implicit ongoing fee to the extent </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that your participation in Index gains is limited by our use of an Upside Parameter. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">This means that your returns may be lower than the Index’s returns.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;line-height:10pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">In return for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">accepting a limit on Index gains, you will receive some protection from Index losses.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Fee Table</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:274pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Adjustments for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Yes.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-style:italic;margin-left:0.0pt;">Withdrawal Charges.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> If you take a Withdrawal from your Contract within </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">six</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> (6) years </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">following the Contract Issue Date, you may be assessed a Withdrawal Charge of up to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">8</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">%, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">as a percentage of the Contract Value withdrawn. For example, if you make a Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">during the Withdrawal Charge Period, you could pay a Withdrawal Charge of up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">8,000</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">on a $100,000 investment. This loss will be greater if there is a Negative Adjustment based </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">on Interim Values of the Strategy Account Options, taxes or tax penalties.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-style:italic;margin-left:0.0pt;">Interim Value Adjustments.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> Your Contract Value in a Strategy Account Option will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">adjusted to the Interim Value if all or a portion of Contract Value is removed from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Account Option during the Term. The Interim Value could be less than your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">investment in a Strategy Account Option even if the Index is performing positively. Under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">extreme conditions, you could lose up to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">% of your investment in a Strategy Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Option due to Interim Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For example, if you allocate $100,000 to a Strategy Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Option with a 6-year Term and later withdraw the entire amount before the 6 years have </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">elapsed, you could lose up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">100,000</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> of your investment. The following transactions are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">subject to the Interim Value of Strategy Account Option:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">A charge is deducted from the Strategy Account Option</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">An amount is deducted from the Strategy Account Option due to a Surrender or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Withdrawal (including a systematic Withdrawal, RMDs, free Withdrawal amounts or any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">other Withdrawal);</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">The Contract is annuitized; or</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">The Death Benefit is paid.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You may obtain the Interim Value(s) of your Strategy Account Option(s) online at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">www.corebridgefinancial.com/annuities or by contacting your financial representative.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Fee Table</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div></div></td></tr></table> 6 0.08 8000 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-style:italic;margin-left:0.0pt;">Interim Value Adjustments.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> Your Contract Value in a Strategy Account Option will be </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">adjusted to the Interim Value if all or a portion of Contract Value is removed from the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Account Option during the Term. The Interim Value could be less than your </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">investment in a Strategy Account Option even if the Index is performing positively. Under </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">extreme conditions, you could lose up to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">% of your investment in a Strategy Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Option due to Interim Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For example, if you allocate $100,000 to a Strategy Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Option with a 6-year Term and later withdraw the entire amount before the 6 years have </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">elapsed, you could lose up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">100,000</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> of your investment. The following transactions are </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">subject to the Interim Value of Strategy Account Option:</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">A charge is deducted from the Strategy Account Option</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">An amount is deducted from the Strategy Account Option due to a Surrender or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Withdrawal (including a systematic Withdrawal, RMDs, free Withdrawal amounts or any </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">other Withdrawal);</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">The Contract is annuitized; or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">The Death Benefit is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You may obtain the Interim Value(s) of your Strategy Account Option(s) online at </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">www.corebridgefinancial.com/annuities or by contacting your financial representative.</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For example, if you allocate $100,000 to a Strategy Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Option with a 6-year Term and later withdraw the entire amount before the 6 years have </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">elapsed, you could lose up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">100,000</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> of your investment. The following transactions are </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">subject to the Interim Value of Strategy Account Option:</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">A charge is deducted from the Strategy Account Option</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">An amount is deducted from the Strategy Account Option due to a Surrender or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Withdrawal (including a systematic Withdrawal, RMDs, free Withdrawal amounts or any </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">other Withdrawal);</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">The Contract is annuitized; or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">The Death Benefit is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You may obtain the Interim Value(s) of your Strategy Account Option(s) online at </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">www.corebridgefinancial.com/annuities or by contacting your financial representative.</span> 100000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">No, other than Surrender Charges and Interim Value adjustments.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Not Applicable</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">No, other than Surrender Charges and Interim Value adjustments.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Expenses?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">No.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Under the Strategy Account Options, there is an implicit ongoing fee to the extent </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that your participation in Index gains is limited by our use of an Upside Parameter. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">This means that your returns may be lower than the Index’s returns.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;line-height:10pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">In return for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">accepting a limit on Index gains, you will receive some protection from Index losses.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Fee Table</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Under the Strategy Account Options, there is an implicit ongoing fee to the extent </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that your participation in Index gains is limited by our use of an Upside Parameter. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">This means that your returns may be lower than the Index’s returns.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">In return for </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">accepting a limit on Index gains, you will receive some protection from Index losses.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">This means that your returns may be lower than the Index’s returns.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">In return for </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">accepting a limit on Index gains, you will receive some protection from Index losses.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.375pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.375pt;vertical-align:Middle;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;text-transform:uppercase;">Risks</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.375pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:146pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:4.375pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Is There a Risk of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Loss from Poor </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Performance?</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:4.375pt;vertical-align:Top;width:368pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;line-height:10pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You could lose money by investing in the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">If you invest in a Strategy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Account Option, under extreme circumstances, you could lose up to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">90</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">% of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">investment in a Strategy Account Option with a Buffer Rate of 10% and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">80</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">% of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">investment in a Strategy Account Option with a Buffer Rate of 20% if negative Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">performance on the Term End Date is 100%. The minimum guaranteed Buffer Rate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that we offer under any Strategy Account Options is 10%. Buffer Rates for all </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Options will not change from one Term to the next. There is no </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">guarantee that Strategy Account Options that limit Index losses will always be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">offered. We reserve the right to add, replace or remove Strategy Account Options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">offered and limit the number of Strategy Account Options to only one. If only one </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Option is available, you will be limited to investing in only that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Option with terms that may not be acceptable to you, including one </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that does not limit losses, which would mean risk of loss of the entire amount </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">invested.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.375pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Contract </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:287.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Is this a </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Investment?</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:368pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> The Contract is not a short-term investment and is not appropriate for an investor who </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">needs ready access to cash because the Contract is designed to provide for the accumulation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">of retirement savings and income on a long-term basis. As such, you should not use the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Contract as a short-term investment or savings vehicle. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">A Withdrawal Charge may apply in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">certain circumstances and any Withdrawals may also be subject to federal and state income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">taxes and tax penalties. Withdrawals could result in significant reductions to your Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Value and to the Death Benefit, perhaps by more than the amount withdrawn. Withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">from a Strategy Account Option prior to the Term End Date may result in an adjustment for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Interim Value. Your Strategy Account Option Value will be transferred on the Term End </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Date according to your instructions. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">If we do not receive transfer instructions from you </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">within the appropriate time frame, we will automatically transfer or renew, as applicable, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">your Strategy Account Option and/or Fixed Account Option Value as follows:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Any Contract Value in any expiring Strategy Account Option with a 1-year Term will </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">remain in its current allocation for the next Term, subject to the Upside Parameter rates </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">declared for that Term. If your Contract Value is invested in a Strategy Account Option </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">with a 1-year Term that is no longer available for investment, the Contract Value in the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">expiring Strategy Account Option will automatically be transferred to the Fixed Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the renewal interest rate, and will remain there until you provide </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">transfer instructions. The Contract Value automatically transferred to the Fixed Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the applicable renewal interest rates, in the absence of transfer </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">instructions cannot be transferred to another available Strategy Account Option until the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">next Contract Anniversary.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Any Contract Value in an expiring Strategy Account Option with a multi-year Term or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Fixed Account Option will automatically be transferred or renewed to the Fixed Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the applicable renewal interest rates and will remain there until you </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">provide transfer instructions. The Contract Value automatically renewed or transferred to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">the Fixed Account Option in the absence of transfer instructions cannot be transferred to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">a Strategy Account Option until the next Contract Anniversary.</span></div></div></td> <td style="padding-bottom:2pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Contract </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:472pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">What Are the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Risks Associated </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">with the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Options?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:368pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">An investment in the Contract is subject to the risk of poor investment performance and can </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">vary depending on the performance of the Indices for the Strategy Account Options under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the Contract. Each Allocation Account will have its own unique risks. You should review the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Allocation Accounts before making an investment decision.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For investments in a Strategy Account Option, the Cap Rate, Cap Secure Rate, Participation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">and Cap Rates, Enhanced Participation and Cap Rates, Trigger Rate, or Dual Direction with </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger with Cap will limit positive Index performance (e.g., limited upside). For example:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Cap Rate, and the Index Change is 15% and the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Cap Rate is 10%, the Index Credit Rate would be 10% on the Term End Date;</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Cap Secure Rate, and the annual Index Change is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">15%, and the Cap Secure Rate is 8%, the adjusted annual Index performance is 8% on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">that Contract Anniversary. The adjusted annual Index performance on each Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Anniversary within the multi- year Term would be compounded to establish the Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Credit Rate on the Term End Date. For example, if the adjusted annual Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">performance is 5% on each Contract Anniversary for a 6-year Term, the Index Credit Rate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">on the Term End Date would be 34.01% ({(1+5%)6}-1=34.01%);</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has Participation and Cap Rates or Enhanced Participation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">and Cap Rates, the Index Change is 30%, the Participation Rate is 105%, and the Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Rate is 24%, the Index Credit Rate would be 24% on the Term End Date;</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Trigger Rate, and the Index Change is greater than </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">or equal to zero (for example, 12%), and the Trigger Rate is 5%, the Index Credit Rate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">would be 5% on the Term End Date;</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> and</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Dual Direction Trigger with Cap, and the Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change is 28%, the Buffer Rate is 10%, the Cap Rate is 25%, and the Trigger Rate is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">24%, your Index Credit Rate would be 25% on the Term End Date. Since the Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change was positive and exceeded the absolute value of the Buffer Rate, the Trigger Rate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">does not apply. The Cap Rate applies limiting your Index Credit Rate to 25%. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Alternatively, if the Index Change is 26%, the Buffer Rate is 30%, the Cap Rate is 25%, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">and the Trigger Rate is 24%, your Index Credit Rate would be 24%. Since the Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change was positive and did not exceed the absolute value of the Buffer Rate, the Trigger </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Rate applies limiting your Index Credit Rate to 24%.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">This may result in you earning less than the Index return.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For investments in a Strategy Account Option, the Buffer will limit negative Index Credit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Rates on the Term End Date (e.g., limited protection in the case of market decline).</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;line-height:10pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">example:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Index Change is −25% and Buffer Rate is 10%, the Index Credit Rate would be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">−15% (the amount that the Index Change exceeds the Buffer Rate) on the Term End </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Each Index is a price return index, not a total return index, and therefore does not reflect </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">dividends paid on the securities comprising the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;line-height:10pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">This will cause the Index return to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">underperform in comparison to a direct investment in a total return index.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You bear all loss that exceeds the Buffer.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div></div></td></tr> <tr style="height:71.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">What Are the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Risks Related to </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">the Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Company?</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:368pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to the Company. The Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">is solely responsible to the Owner for the Contract Value and the guaranteed benefits. The </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">general obligations including the Fixed Account Option and Strategy Account Options under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the Contract are supported by our general account and are subject to our claims paying </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">ability. An Owner should look solely to our financial strength for our claims-paying ability. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">More information about the Company, including our financial strength ratings, may be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">obtained at https://investors.corebridgefinancial.com/financials/Ratings/default.aspx.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Contract </span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You could lose money by investing in the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">If you invest in a Strategy </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Account Option, under extreme circumstances, you could lose up to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">90</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">% of your </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">investment in a Strategy Account Option with a Buffer Rate of 10% and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">80</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">% of your </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">investment in a Strategy Account Option with a Buffer Rate of 20% if negative Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">performance on the Term End Date is 100%. The minimum guaranteed Buffer Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that we offer under any Strategy Account Options is 10%. Buffer Rates for all </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Options will not change from one Term to the next. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">guarantee that Strategy Account Options that limit Index losses will always be </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">offered. We reserve the right to add, replace or remove Strategy Account Options </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">offered and limit the number of Strategy Account Options to only one. If only one </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Option is available, you will be limited to investing in only that </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Option with terms that may not be acceptable to you, including one </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that does not limit losses, which would mean risk of loss of the entire amount </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">invested.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You could lose money by investing in the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">If you invest in a Strategy </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Account Option, under extreme circumstances, you could lose up to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">90</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">% of your </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">investment in a Strategy Account Option with a Buffer Rate of 10% and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">80</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">% of your </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">investment in a Strategy Account Option with a Buffer Rate of 20% if negative Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">performance on the Term End Date is 100%. The minimum guaranteed Buffer Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that we offer under any Strategy Account Options is 10%. Buffer Rates for all </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Options will not change from one Term to the next. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">guarantee that Strategy Account Options that limit Index losses will always be </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">offered. We reserve the right to add, replace or remove Strategy Account Options </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">offered and limit the number of Strategy Account Options to only one. If only one </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Option is available, you will be limited to investing in only that </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Strategy Account Option with terms that may not be acceptable to you, including one </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">that does not limit losses, which would mean risk of loss of the entire amount </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">invested.</span> 0.90 0.80 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> The Contract is not a short-term investment and is not appropriate for an investor who </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">needs ready access to cash because the Contract is designed to provide for the accumulation </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">of retirement savings and income on a long-term basis. As such, you should not use the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Contract as a short-term investment or savings vehicle. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">A Withdrawal Charge may apply in </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">certain circumstances and any Withdrawals may also be subject to federal and state income </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">taxes and tax penalties. Withdrawals could result in significant reductions to your Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Value and to the Death Benefit, perhaps by more than the amount withdrawn. Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">from a Strategy Account Option prior to the Term End Date may result in an adjustment for </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Interim Value. Your Strategy Account Option Value will be transferred on the Term End </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Date according to your instructions. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">If we do not receive transfer instructions from you </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">within the appropriate time frame, we will automatically transfer or renew, as applicable, </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">your Strategy Account Option and/or Fixed Account Option Value as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Any Contract Value in any expiring Strategy Account Option with a 1-year Term will </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">remain in its current allocation for the next Term, subject to the Upside Parameter rates </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">declared for that Term. If your Contract Value is invested in a Strategy Account Option </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">with a 1-year Term that is no longer available for investment, the Contract Value in the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">expiring Strategy Account Option will automatically be transferred to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the renewal interest rate, and will remain there until you provide </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">transfer instructions. The Contract Value automatically transferred to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the applicable renewal interest rates, in the absence of transfer </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">instructions cannot be transferred to another available Strategy Account Option until the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">next Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Any Contract Value in an expiring Strategy Account Option with a multi-year Term or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Fixed Account Option will automatically be transferred or renewed to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the applicable renewal interest rates and will remain there until you </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">provide transfer instructions. The Contract Value automatically renewed or transferred to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">the Fixed Account Option in the absence of transfer instructions cannot be transferred to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">a Strategy Account Option until the next Contract Anniversary.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">A Withdrawal Charge may apply in </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">certain circumstances and any Withdrawals may also be subject to federal and state income </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">taxes and tax penalties. Withdrawals could result in significant reductions to your Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Value and to the Death Benefit, perhaps by more than the amount withdrawn. Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">from a Strategy Account Option prior to the Term End Date may result in an adjustment for </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Interim Value. Your Strategy Account Option Value will be transferred on the Term End </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Date according to your instructions. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">If we do not receive transfer instructions from you </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">within the appropriate time frame, we will automatically transfer or renew, as applicable, </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">your Strategy Account Option and/or Fixed Account Option Value as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Any Contract Value in any expiring Strategy Account Option with a 1-year Term will </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">remain in its current allocation for the next Term, subject to the Upside Parameter rates </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">declared for that Term. If your Contract Value is invested in a Strategy Account Option </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">with a 1-year Term that is no longer available for investment, the Contract Value in the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">expiring Strategy Account Option will automatically be transferred to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the renewal interest rate, and will remain there until you provide </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">transfer instructions. The Contract Value automatically transferred to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the applicable renewal interest rates, in the absence of transfer </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">instructions cannot be transferred to another available Strategy Account Option until the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">next Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Any Contract Value in an expiring Strategy Account Option with a multi-year Term or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Fixed Account Option will automatically be transferred or renewed to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the applicable renewal interest rates and will remain there until you </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">provide transfer instructions. The Contract Value automatically renewed or transferred to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">the Fixed Account Option in the absence of transfer instructions cannot be transferred to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">a Strategy Account Option until the next Contract Anniversary.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">If we do not receive transfer instructions from you </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">within the appropriate time frame, we will automatically transfer or renew, as applicable, </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">your Strategy Account Option and/or Fixed Account Option Value as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Any Contract Value in any expiring Strategy Account Option with a 1-year Term will </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">remain in its current allocation for the next Term, subject to the Upside Parameter rates </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">declared for that Term. If your Contract Value is invested in a Strategy Account Option </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">with a 1-year Term that is no longer available for investment, the Contract Value in the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">expiring Strategy Account Option will automatically be transferred to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the renewal interest rate, and will remain there until you provide </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">transfer instructions. The Contract Value automatically transferred to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the applicable renewal interest rates, in the absence of transfer </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">instructions cannot be transferred to another available Strategy Account Option until the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">next Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Any Contract Value in an expiring Strategy Account Option with a multi-year Term or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Fixed Account Option will automatically be transferred or renewed to the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option, subject to the applicable renewal interest rates and will remain there until you </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">provide transfer instructions. The Contract Value automatically renewed or transferred to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">the Fixed Account Option in the absence of transfer instructions cannot be transferred to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">a Strategy Account Option until the next Contract Anniversary.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">An investment in the Contract is subject to the risk of poor investment performance and can </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">vary depending on the performance of the Indices for the Strategy Account Options under </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the Contract. Each Allocation Account will have its own unique risks. You should review the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Allocation Accounts before making an investment decision.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For investments in a Strategy Account Option, the Cap Rate, Cap Secure Rate, Participation </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">and Cap Rates, Enhanced Participation and Cap Rates, Trigger Rate, or Dual Direction with </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger with Cap will limit positive Index performance (e.g., limited upside). For example:</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Cap Rate, and the Index Change is 15% and the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Cap Rate is 10%, the Index Credit Rate would be 10% on the Term End Date;</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Cap Secure Rate, and the annual Index Change is </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">15%, and the Cap Secure Rate is 8%, the adjusted annual Index performance is 8% on </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">that Contract Anniversary. The adjusted annual Index performance on each Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Anniversary within the multi- year Term would be compounded to establish the Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Credit Rate on the Term End Date. For example, if the adjusted annual Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">performance is 5% on each Contract Anniversary for a 6-year Term, the Index Credit Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">on the Term End Date would be 34.01% ({(1+5%)6}-1=34.01%);</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has Participation and Cap Rates or Enhanced Participation </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">and Cap Rates, the Index Change is 30%, the Participation Rate is 105%, and the Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Rate is 24%, the Index Credit Rate would be 24% on the Term End Date;</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Trigger Rate, and the Index Change is greater than </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">or equal to zero (for example, 12%), and the Trigger Rate is 5%, the Index Credit Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">would be 5% on the Term End Date;</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> and</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Dual Direction Trigger with Cap, and the Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change is 28%, the Buffer Rate is 10%, the Cap Rate is 25%, and the Trigger Rate is </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">24%, your Index Credit Rate would be 25% on the Term End Date. Since the Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change was positive and exceeded the absolute value of the Buffer Rate, the Trigger Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">does not apply. The Cap Rate applies limiting your Index Credit Rate to 25%. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Alternatively, if the Index Change is 26%, the Buffer Rate is 30%, the Cap Rate is 25%, </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">and the Trigger Rate is 24%, your Index Credit Rate would be 24%. Since the Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change was positive and did not exceed the absolute value of the Buffer Rate, the Trigger </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Rate applies limiting your Index Credit Rate to 24%.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">This may result in you earning less than the Index return.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For investments in a Strategy Account Option, the Buffer will limit negative Index Credit </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Rates on the Term End Date (e.g., limited protection in the case of market decline).</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">example:</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Index Change is −25% and Buffer Rate is 10%, the Index Credit Rate would be </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">−15% (the amount that the Index Change exceeds the Buffer Rate) on the Term End </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Each Index is a price return index, not a total return index, and therefore does not reflect </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">dividends paid on the securities comprising the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">This will cause the Index return to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">You bear all loss that exceeds the Buffer.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">An investment in the Contract is subject to the risk of poor investment performance and can </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">vary depending on the performance of the Indices for the Strategy Account Options under </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the Contract. Each Allocation Account will have its own unique risks. You should review the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Allocation Accounts before making an investment decision.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Cap Rate, and the Index Change is 15% and the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Cap Rate is 10%, the Index Credit Rate would be 10% on the Term End Date;</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Cap Secure Rate, and the annual Index Change is </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">15%, and the Cap Secure Rate is 8%, the adjusted annual Index performance is 8% on </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">that Contract Anniversary. The adjusted annual Index performance on each Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Anniversary within the multi- year Term would be compounded to establish the Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Credit Rate on the Term End Date. For example, if the adjusted annual Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">performance is 5% on each Contract Anniversary for a 6-year Term, the Index Credit Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">on the Term End Date would be 34.01% ({(1+5%)6}-1=34.01%);</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has Participation and Cap Rates or Enhanced Participation </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">and Cap Rates, the Index Change is 30%, the Participation Rate is 105%, and the Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Rate is 24%, the Index Credit Rate would be 24% on the Term End Date;</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Trigger Rate, and the Index Change is greater than </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">or equal to zero (for example, 12%), and the Trigger Rate is 5%, the Index Credit Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">would be 5% on the Term End Date;</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Strategy Account Option has a Dual Direction Trigger with Cap, and the Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change is 28%, the Buffer Rate is 10%, the Cap Rate is 25%, and the Trigger Rate is </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">24%, your Index Credit Rate would be 25% on the Term End Date. Since the Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change was positive and exceeded the absolute value of the Buffer Rate, the Trigger Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">does not apply. The Cap Rate applies limiting your Index Credit Rate to 25%. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Alternatively, if the Index Change is 26%, the Buffer Rate is 30%, the Cap Rate is 25%, </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">and the Trigger Rate is 24%, your Index Credit Rate would be 24%. Since the Index </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Change was positive and did not exceed the absolute value of the Buffer Rate, the Trigger </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Rate applies limiting your Index Credit Rate to 24%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">This may result in you earning less than the Index return.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">This will cause the Index return to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">underperform in comparison to a direct investment in a total return index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For investments in a Strategy Account Option, the Buffer will limit negative Index Credit </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Rates on the Term End Date (e.g., limited protection in the case of market decline).</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">example:</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If the Index Change is −25% and Buffer Rate is 10%, the Index Credit Rate would be </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">−15% (the amount that the Index Change exceeds the Buffer Rate) on the Term End </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Each Index is a price return index, not a total return index, and therefore does not reflect </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">dividends paid on the securities comprising the Index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to the Company. The Company </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">is solely responsible to the Owner for the Contract Value and the guaranteed benefits. The </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">general obligations including the Fixed Account Option and Strategy Account Options under </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the Contract are supported by our general account and are subject to our claims paying </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">ability. An Owner should look solely to our financial strength for our claims-paying ability. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">More information about the Company, including our financial strength ratings, may be </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">obtained at https://investors.corebridgefinancial.com/financials/Ratings/default.aspx.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Transfer Restrictions.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> Contract Value allocated to a Strategy Account Option may only be </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">transferred on the Term End Date. Contract Value allocated to the Fixed Account Option </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">may not be transferred until the next Contract Anniversary. If you do not want to remain </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">invested in the Fixed Account Option until the next Contract Anniversary, or in a Strategy </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Account Option until the Term End Date, your only options will be to take a Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">from or Surrender the Contract, or exercise the Performance Capture feature (if available) </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">and transfer your Strategy Account Option Value on the next Contract Anniversary. If you </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">elect one of these options, the transaction will be based on the Interim Values of the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Account Options. The Interim Value could be substantially less than the amount </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">invested in the Strategy Account Option and could result in significant loss. All Withdrawals </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">taken (and charges deducted from your Contract) will reduce the Contract Value Death </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">which will lower your Strategy Base in the Strategy Account Option in the same proportion </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">that the Interim Value is reduced (rather than a dollar-for-dollar basis) which may </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">reduction will reduce your Strategy Base for the remainder of the Term and the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">proportionate reduction may be greater than the dollar amount withdrawn and the charge </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">deducted. Withdrawals and Surrenders may be subject to Withdrawal Charges and taxes </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">(including a 10% Federal tax penalty before age 59½).</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Transfer requests must be provided before Market Close on the Term End Date (or Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Anniversary after a Performance Capture). If the Term End Date (or Contract Anniversary </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">after a Performance Capture) is not a Business Day, we must receive your instructions </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">before Market Close on the Business Day before the Term End Date (or Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Anniversary after a Performance Capture).</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Performance Capture Restrictions.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> Manual Performance Capture is not allowed, and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">automatic Performance Capture settings cannot be changed, during the five (5) days prior </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">to a Term End Date. Once a Performance Capture occurs, it cannot be revoked.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Investment Restrictions.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Some Strategy Account Options may only be available on the Contract Issue Date. On the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Term End Date, you will only be able to invest in the Strategy Account Option(s) </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">available at that time.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">When allocating Contract Value on a Term End Date among the available Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Accounts, you may not invest in any Strategy Account Option that has a Term that </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">extends beyond the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Latest Annuity Date. If there is no eligible Strategy Account Option, </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">only the Fixed Account Option will be available to you for investment.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:2.07pt;">The Company reserves the right to stop offering all but one Strategy Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:9.0pt;">Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> We will provide you with written notice before adding, replacing, or removing a </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Strategy Account Option or Index</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Availability of Allocation Accounts and Indices.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> We reserve the right to add, replace or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">remove Strategy Account Options offered, change the Indices, and limit the number of </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">offered Strategy Account Options to only one. If only one Strategy Account Option is </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">available, you will be limited to investing in only that Strategy Account Option with terms </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">that may not be acceptable to you. We may change the Strategy Account Options and the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Upside Parameters rates subject to the stated guaranteed minimum rates. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">guarantee that a particular Strategy Account Option or Index will be available during the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">entire time that you own your Contract. With thirty (30) days advance notice from us, we </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">may cease offering or modify the terms and conditions and/or Term of the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Option at our discretion.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Certain Strategy Account Options and Indices may not be available through your financial </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">representative. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">See "Appendix E: Broker-Dealer Variations" in the prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;"> You may </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">obtain information about the Strategy Account Options and Indices that are available to you </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">by contacting your financial representative.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">There are restrictions and limitations relating to benefits offered under the Contract (</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-style:italic;margin-left:0.0pt;">e.g., </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Death Benefit, Performance Capture feature, Extended Care Waiver, Terminal Illness </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Waiver).</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Except as otherwise provided, Contract benefits may not be modified or terminated by the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Company.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals will reduce the Death Benefit, perhaps by more than the amount withdrawn.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You should consult with a tax professional to determine the tax implications of an </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">investment in and payments received under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">If you purchase the Contract through an IRA, there is no additional tax benefit under the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Earnings under your Contract are taxed at ordinary income tax rates when withdrawn. </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">You may be subject to a tax penalty if you take a Withdrawal before age 59½.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Your financial representative may receive compensation for selling this Contract to you in </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the form of commissions, additional cash compensation, and/or non-cash compensation. We </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">may share the revenue we earn on this Contract with your financial representative’s firm.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Revenue sharing arrangements and commissions may provide selling firms and/or their </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">registered representatives with an incentive to favor sales of our Contracts over other </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">annuity contracts (or other investments) with respect to which a selling firm does not </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">receive the same level of additional compensation. You should ask your financial </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">representative about how they are compensated.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Some financial representatives may have a financial incentive to offer you a new contract in </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">place of the one you already own. You should exchange a contract you already own only if </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">you determine, after comparing the features, fees, and risks of both contracts, that it is </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">better for you to purchase the new contract rather than continue to own your existing </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">contract.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:0pt;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Fee Table</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:2pt;font-weight:bold;line-height:1.8600pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning, and Surrendering or making Withdrawals from an Allocation Account or from the Contract. Please refer to your contract data page for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The first table describes fees and expenses that you will pay at the time that you buy the Contract, Surrender or make Withdrawals from an Allocation Account or from the Contract, or transfer Contract Value between Allocation Accounts.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:448.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Transaction Expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> </span></div></div></td></tr> <tr style="height:14.75pt;"> <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:448.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Sales Load Imposed on Purchases (as a percentage of purchase payments)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:11.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">None</span></div></div></div></td></tr> <tr style="height:14.75pt;"> <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:448.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Withdrawal Charge (as a percentage of the amount withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:11.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">8.00%</span></div></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:448.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:10.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">None</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-8pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:1pt;">The Withdrawal Charge percentage is deducted upon a Withdrawal of amounts in excess of the free Withdrawal amount (generally 10% of the previous </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">Contract Anniversary Contract Value). Important exceptions and limitations may eliminate or reduce this charge. For a complete description of charges and exceptions, </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">see “Charges and Adjustments – Withdrawal Charges” and “Access to Your Money”</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Contract Value is removed from a Strategy Account Option or from the Contract before the expiration of a specified period.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:448.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> </span></div></div></td></tr> <tr style="height:21.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:448.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Maximum Potential Loss Due to Interim Value Adjustment (as a percentage of Contract Value withdrawn from a </span></div> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Account Option)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> </div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:10.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:23.06pt;"> <div style="display:flex;white-space:nowrap;width:23.06pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:23.06pt;">100%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-8pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:1pt;">We use the Interim Values for your Strategy Account Options if you make any Withdrawals (including required minimum distributions (“RMDs”), </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">Surrenders, exercise the Performance Capture feature, annuitize your Contract or a Death Benefit is paid from a Strategy Account Option on any date prior to the Term End Date. The maximum loss would occur if there is a total distribution for a Strategy Account Option at a time when the Index Value has declined to zero. If the Interim Value calculation applies to a transaction, the Buffer will not apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">See “Valuing Your Investment in a Strategy Account Option – Interim Values”</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> for more information.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:448.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Annual Contract Expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> </span></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:448.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Base Contract Expenses</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:10.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:13.7pt;"> <div style="display:flex;white-space:nowrap;width:13.7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:13.7pt;">0</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:auto;">%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We may limit the amount you can earn on the Strategy Account Options. This means your returns may be lower than the Index’s returns. In return for accepting a limit on Index gains, you will receive some protection from Index losses. </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning, and Surrendering or making Withdrawals from an Allocation Account or from the Contract. Please refer to your contract data page for information about the specific fees you will pay each year based on the options you have elected.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:448.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Transaction Expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> </span></div></div></td></tr> <tr style="height:14.75pt;"> <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:448.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Sales Load Imposed on Purchases (as a percentage of purchase payments)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:11.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">None</span></div></div></div></td></tr> <tr style="height:14.75pt;"> <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:448.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Withdrawal Charge (as a percentage of the amount withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:11.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">8.00%</span></div></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:448.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:10.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">None</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-8pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:1pt;">The Withdrawal Charge percentage is deducted upon a Withdrawal of amounts in excess of the free Withdrawal amount (generally 10% of the previous </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">Contract Anniversary Contract Value). Important exceptions and limitations may eliminate or reduce this charge. For a complete description of charges and exceptions, </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">see “Charges and Adjustments – Withdrawal Charges” and “Access to Your Money”</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:448.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Transaction Expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> </span></div></div></td></tr> <tr style="height:14.75pt;"> <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:448.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Sales Load Imposed on Purchases (as a percentage of purchase payments)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:11.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">None</span></div></div></div></td></tr> <tr style="height:14.75pt;"> <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:448.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Withdrawal Charge (as a percentage of the amount withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:11.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">8.00%</span></div></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:448.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:10.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:25.39pt;"> <div style="display:flex;white-space:nowrap;width:25.39pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:25.39pt;">None</span></div></div></div></td></tr></table> 0 0.0800 0 <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:1pt;">The Withdrawal Charge percentage is deducted upon a Withdrawal of amounts in excess of the free Withdrawal amount (generally 10% of the previous </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">Contract Anniversary Contract Value). Important exceptions and limitations may eliminate or reduce this charge. For a complete description of charges and exceptions, </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">see “Charges and Adjustments – Withdrawal Charges” and “Access to Your Money”</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Contract Value is removed from a Strategy Account Option or from the Contract before the expiration of a specified period.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:448.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> </span></div></div></td></tr> <tr style="height:21.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:448.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Maximum Potential Loss Due to Interim Value Adjustment (as a percentage of Contract Value withdrawn from a </span></div> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Account Option)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> </div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:10.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:23.06pt;"> <div style="display:flex;white-space:nowrap;width:23.06pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:23.06pt;">100%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-8pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:1pt;">We use the Interim Values for your Strategy Account Options if you make any Withdrawals (including required minimum distributions (“RMDs”), </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">Surrenders, exercise the Performance Capture feature, annuitize your Contract or a Death Benefit is paid from a Strategy Account Option on any date prior to the Term End Date. The maximum loss would occur if there is a total distribution for a Strategy Account Option at a time when the Index Value has declined to zero. If the Interim Value calculation applies to a transaction, the Buffer will not apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">See “Valuing Your Investment in a Strategy Account Option – Interim Values”</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> for more information.</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:448.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Annual Contract Expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;"> </span></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:448.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Base Contract Expenses</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;white-space:nowrap;width:91.5pt;"> <div style="line-height:10.00pt;margin-left:4pt;margin-right:1.5pt;text-align:right;width:84pt;"> <div style="display:flex;margin:auto;width:13.7pt;"> <div style="display:flex;white-space:nowrap;width:13.7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:13.7pt;">0</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;width:auto;">%</span></div></div></div></td></tr></table> 0 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We may limit the amount you can earn on the Strategy Account Options. This means your returns may be lower than the Index’s returns. In return for accepting a limit on Index gains, you will receive some protection from Index losses. </span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:0pt;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Principal Risks of Investing in the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:2pt;font-weight:bold;line-height:1.8600pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Market Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">An investment in the Contract is subject to the risk of poor investment performance of the Strategy Account Options to which you have allocated Contract Value. You can lose money by investing in this Contract, including loss of principal and/or prior earnings. While limited protection from losses is provided under your Contract through a Buffer, you bear some level of the risk of decline in your Contract Value resulting from the performance of the Indexed Crediting Rate Strategies and the risk of losses may be significant. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Under extreme circumstances, you could lose up to </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">90</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">% of your investment in a Strategy Account Option with a 10% Buffer Rate and up to </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">80</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">% of your investment in a Strategy Account Option with a 20% Buffer Rate. The minimum guaranteed Buffer Rate that we offer under any Strategy Account Options is </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%, and we will always offer at least one Strategy Account Option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">There is no guarantee that </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Strategy Account Options that limit Index losses will always be offered. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you, including one that does not limit losses, which would mean risk of loss of the entire amount invested.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If you take a withdrawal from a Strategy Account Option prior to the Term End Date, it will be based on the Interim Value and the Buffer will not apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Early Withdrawal Risk,”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> below. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Contract is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This Contract is not federally insured by the federal deposit insurance corporation, the federal reserve board, or any other agency.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Early Withdrawal Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral and long-term income protections mean that this Contract is more beneficial to investors with a long investment time horizon. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You should carefully consider the risks associated with Withdrawals under the Contract. Withdrawals may be subject to significant Withdrawal Charges. If you make a Withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% Federal tax penalty. A Withdrawal may reduce the value of your standard benefits. For instance, a Withdrawal will reduce the value of the Death Benefit. A Surrender will result in the termination of your Contract. We may defer payment of Withdrawals or Surrender for up to six months when permitted by law. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you make a Withdrawal or Surrender your Contract within six years after the Contract Issue Date, you may be assessed a Withdrawal Charge of up to 8% of the amount withdrawn in excess of the 10% annual free Withdrawal amount. In addition, Withdrawals during a Term could result in a greater reduction in your Contract Value than if you waited until the Term End Date. Withdrawals during a Term will proportionately reduce your Strategy Base, which could be significantly more than the dollar amount of your Withdrawal. The application of the Interim Value to Withdrawals taken prior to the Term End Date and proportional reductions to your Strategy Base, together with any Withdrawal Charges, could significantly reduce your Contract Value and reduce any gains on the Term End Date. The Interim Value is the amount in the Strategy Account Option that is available for transactions that occur during the Term, including Withdrawals (including RMDs), Surrenders, free Withdrawal amounts, Performance Captures, Death Benefit payments, and annuitization. The Interim Value could be less than your investment in a Strategy Account Option even if the Index is performing positively. Withdrawals or Surrenders that cause the Interim Value to be recalculated could result in the loss of principal investment and previously applied Index Credit Rates, and such losses could be as high as </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">%. All Withdrawals taken, and charges deducted, from a Strategy Account Option before a Term End Date will reduce the Contract Value Death Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment which will lower your Strategy Base in the Strategy Account Option in the same proportion that the Interim Value is reduced (rather than on a dollar-for-dollar basis) which may proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a reduction will reduce your Strategy Base for the remainder of the Term and the proportionate reduction may be greater than the dollar amount of the amount withdrawn, or the charge deducted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Withdrawals could result in significant reductions to your Contract Value and to the Death Benefit, perhaps by more than the amount withdrawn. Withdrawals taken before the Term End Date of a Strategy Account Option could also significantly reduce any Index Credit applied at the Term End Date. The Upside Parameters and Buffer are not applied until the Term End Date and do not apply in calculating your Interim Values. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract may not be appropriate if you intend to take Withdrawals from a Strategy Account Option prior to the Term End Date or from the Contract during the first six years. You should consult with your financial representative before making a Withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Our Financial Strength and Claims-Paying Ability Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Our General Account assets support the guarantees under the Contract and are subject to the claims of our creditors. Therefore, the guarantees under the Contract are subject to our financial strength and claims-paying ability. The assets in the Separate Account, like our General Account, are subject to our creditors. You need to consider our financial strength and claims-paying ability in meeting the guarantees under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Business Disruption Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Our business is vulnerable to disruptions from natural and man-made disasters and catastrophes, such as, but not limited to, hurricanes, windstorms, flooding, earthquakes, wildfires, solar storms, war or other military action, acts of terrorism, explosions and fires, pandemics (such as COVID-19) and other highly contagious diseases, mass torts, failure of telecommunications or other critical infrastructure, and other catastrophes. A natural or man-made disaster or catastrophe may negatively affect the computer and other systems on which we rely, including service outages or other unavailability, may interfere with our ability to receive, pickup and process mail, to calculate the Index Change or process other Contract-related transactions, or to otherwise provide our services, or may have other possible negative impacts. While we have developed and put in place what we believe to be appropriate business continuity and disaster recovery plans and procedures to mitigate operational risks and potential losses related to business disruptions resulting from natural and man-made disasters and catastrophes, there can be no assurance that we, our agents, the Indices or our service providers will be able to successfully avoid negative impacts resulting from such disasters and catastrophes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Cybersecurity Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We rely heavily on interconnected computer systems and digital data to conduct our annuity business activities. Because our annuity business is highly dependent upon the effective operation of our computer systems and those of our business partners and service providers, our business is vulnerable to physical disruptions and utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), cyber-attacks, and user errors or other disruptions that may compromise the confidentiality, integrity, or availability of such systems and data. These risks include, among other things, the theft, misuse, corruption, disclosure and destruction of sensitive business data, including personal information, maintained on our or our business partners’ or service providers’ systems, interference with our websites (such as via denial of service attacks), and other operational disruptions, and unauthorized release of confidential customer information. Such systems failures, cyber-attacks, or other disruptions affecting us, any third-party administrator, the Index or Index issuers, intermediaries and other affiliated or third-party service providers, as well as our distribution partners, may adversely affect us and your Contract Value. For instance, systems failures and cyber-attacks may interfere with our processing of contract transactions, including the processing of orders from our website, impact our ability to calculate the Index Change, cause the release and possible destruction of confidential customer or business information, including personal information, impede order processing, or subject us and/or our service providers, distribution partners and other intermediaries to regulatory fines and enforcement action, litigation risks and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities that comprise the Indices, which may cause the securities making up the Index to lose value. There may be an increased risk of cyber-attacks during periods of geo-political or military conflict. Further, the widespread development, implementation, and use of AI, machine learning, data analytics and similar tools that collect, aggregate and analyze data or inputs (collectively, “AI Tools”) may increase our exposure to, or exacerbate the risks of, cyber-attacks or other security incidents, particularly where such technologies are exploited by third parties to attempt to breach our or our business partners’ and service providers’ systems. Despite our implementation of policies and procedures, which we believe to be reasonable, that address physical, administrative and technical safeguards and controls and other preventative actions to protect our systems and sensitive business and customer information, including personal information, and reduce the risk of cyber-incidents, there can be no assurance that we or our distribution partners, the Indices or our business partners and service providers will avoid cyber-attacks or information security breaches in the future that may affect your Contract and/or personal information.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Allocation Account Availability Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We reserve the right to add, remove and replace Allocation Accounts as available investment options. There is no guarantee that an Allocation Account you select for investment will always be available in the future or available with the same rates. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">There is no guarantee that any Strategy Account Option will always be available in the future. However, we will always offer at least one Strategy Account Option that is either currently offered or is similar to one that is currently offered as of the date of this prospectus. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you. We may change the Strategy Account Options and the Upside Parameters rates, subject to the stated guaranteed minimum rates. There is no guarantee that a particular Strategy Account Option, Fixed Account Option, or Index will be available during the entire time that you own your Contract. Please note the Index for that Strategy Account Option remains subject to our right of substitution. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Index Substitution Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we remove an Allocation Account, it will be closed such that no transfers will be allowed into that Allocation Account. If you are currently invested in an Allocation Account and it is removed, you may remain in that Allocation Account until the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Liquidity Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Contract may be appropriate if you are looking for retirement income or you want to meet other long-term financial objectives. The Contract is not designed to be a short-term investment and may not be appropriate for you if you intend to take early or frequent Withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Transfer Limitations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Contract restricts transfers between investment options, which will limit your ability to transfer your Contract Value in response to changes in market conditions or your personal circumstances. You may transfer Contract Value invested in an Allocation Account only on the Term End Date for that Allocation Account (or on the next Contract Anniversary after a Performance Capture occurs).</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Withdrawal and Surrender Consequences.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> You may take a Withdrawal or Surrender at any time during the Accumulation Phase; however, there may be significant risks and negative consequences associated with any such Withdrawal or Surrender, including potential Withdrawal Charges, taxes and tax penalties, and negative impacts to the value of your investment. If you take a Withdrawal or Surrender before the Term End Date of a Strategy Account Option, it will reduce the Interim Value of your investment in that Strategy Account Option. All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End Date will reduce the Contract Value Death Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment which will lower your Strategy Base in the Strategy Account Option in the same proportion that the Interim Value is reduced which may proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a reduction will reduce your Strategy Base for the remainder of the Term and the proportionate reduction may be greater than the dollar amount of the amount withdrawn. Withdrawals could result in significant reductions to your Contract Value and to the Death Benefit, perhaps by more than the amount withdrawn. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Withdrawals taken before the Term End Date of a Strategy Account Option could also result in forfeiture of Index Credit Rates or significantly reduce any Index Credit Rates applied at the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Early Withdrawal Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Interim Values.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> There may be long periods of time when you can only perform a transaction under the Contract that is based on one or more Interim Values. For as long as you have multiple ongoing Terms for Strategy Account Options, there may be no time that any such transaction can be performed without the application of at least one Interim Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Interim Value Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Taxes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Income taxes and certain tax restrictions may apply to any Withdrawal or Surrender. If taken before age 59½, a Withdrawal or Surrender may also be subject to a 10% federal tax penalty. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Delays in Payment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> We generally make payment of any amount due from the Contract within seven (7) days from the date we receive all required information in Good Order. When permitted by law, however, we may defer payment of any Withdrawal or Surrender proceeds for up to six (6) months from the date we receive your request.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Index Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Strategy Account Option Value(s) will be impacted by the performance of the reference Index. Although you will not directly invest in the reference Index, you are indirectly exposed to the investment risks associated with an Index, such as market, equity and issuer risks. The following risks related to Index performance apply when you invest in a Strategy Account Option: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Negative Index Performance Could Result in Loss.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The performance of any Index may fluctuate, sometimes rapidly and unpredictably. Both short-term and sustained negative Index performance, over one or multiple Terms, may cause you to lose principal or previous earnings. The historical performance of an Index does not guarantee future results. It is impossible to predict whether an Index will perform positively or negatively over the course of a Term or multiple Terms.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Index Change Calculations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> We calculate Index Changes by comparing the value of the Index between two specific points in time, which means the performance of the Index may be negative or flat even if the Index performed positively for certain time periods between those two specific points in time. This is true even for Strategy Account Options with multi-year Terms.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Dividends Excluded from Index Values.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Each Index is a price return index, not a total return index, and therefore Index Values do not include income from any dividends or other distributions paid by a market index’s component companies. This will cause the Index to underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">No Rights in the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> When you invest in a Strategy Account Option, you are not investing directly in the Index or in the securities tracked by the Index, You have no rights with respect to the Index, the Index provider, or any aspect of the Index or any companies whose securities comprise the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Evolving and Uncertain Economic Environment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> In recent years, the financial markets have experienced periods of significant volatility and negative returns, contributing to an uncertain and evolving economic environment. The performance of the markets has been impacted by several interrelating factors such as, but not limited to, the COVID-19 pandemic, geopolitical turmoil, rising inflation, changes in interest rates, and actions by governmental authorities. It is not possible to predict future performance of the markets. Depending on your individual circumstances, you may experience (perhaps significant) negative returns under the Contract. You should consult with your financial representative about how market conditions may impact your investment decisions under the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Exposure to Investment Risks.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> When you invest in a Strategy Account Option, you are indirectly exposed to the investment risks that could cause the stocks or other instruments that comprise the Index to decrease in value. The Indices </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">are subject to a variety of investment risks, many of which are complicated and interrelated and all of which may adversely impact Index performance. If you invest in a Strategy Account Option with an Index that exposes you to higher investment risks, your risk of loss may be higher depending on the level of the Strategy Account Option’s downside protection. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Market Risk. Each Index could decrease in value over short periods due to short-term market movements and over longer periods during more prolonged market downturns. Negative fluctuations in the value of an Index may be significant and unpredictable. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Equity Risk. Each Index is comprised of equity securities or other assets considered to represent a particular market or sector. Equity securities are subject to changes in value, and their values may be more volatile than those of other asset classes. Equity securities may underperform in comparison to the general financial markets, a particular market segment, or other asset classes. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Issuer Risk. The performance of each Index depends on the performance of individual securities that make-up the Index. Changes in the financial condition or credit rating of an issuer of those securities may cause the value of the securities to decline.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Risks Related to Specific Indices.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> In addition to the foregoing, each Index has its own unique risks, as follows: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;"> Price Return Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. Generally, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with small-capitalization (“small cap”) companies.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">® </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is composed of equity securities issued by large-cap U.S. and non-U.S. companies, excluding financial companies. To the extent the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">MSCI EAFE Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is designed to represent the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia and the Far East, excluding U.S. and Canada. In general, large-cap companies may be unable to respond quickly in response to changes in their industry and new competitive challenges and may not be able to attain the high growth rates of successful smaller companies. The securities of mid-cap companies may be more volatile and may involve more risk than the securities of larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;"> Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is comprised of equity securities of small-cap U.S. companies. Generally, the securities of small-cap companies are more volatile and riskier than the securities of large-cap companies.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Upside Parameter and Buffer Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Each Strategy Account Option has an applicable Upside Parameter and Buffer for determining the Index Credit Rate applied to your Strategy Account Option Value. Each Strategy Account Options has an Upside Parameter that provides either a Cap, Cap Secure, Participation and Cap, Enhanced Participation and Cap, Dual Direction with Cap, Dual Direction Trigger with Cap or Trigger, and downside protection in the form of a Buffer (including the Dual Direction with Cap and Dual Direction Trigger with Cap). The Upside Parameters, including their applicable rates, can change from one Term to the next, however, each Upside Parameter is subject to minimum guaranteed rates. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed rates that may be established under the Contract for each of the types of limit on Index gains are: Cap Rate (no lower than 4%), Cap Secure Rate (no lower than 5%), Participation Rate (no lower than 100%), and Trigger Rate (no lower than 5%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Upside Parameter Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If you invest Contract Value in a Strategy Account Option, the highest possible Index Credit Rate that you may achieve is limited by the applicable Upside Parameter. Because of these limits, the Index Credit Rate for a Strategy Account Option may be less than the positive Index Change. The Upside Parameters may therefore limit the positive Index Credit Rate, if any, that may be applied to your Contract Value for a given Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We set the Upside Parameter rates each Term in our discretion, however, they will never be less than the minimum rates set forth in this prospectus. You bear the risk that we will not set the Upside Parameter rates higher than these minimums. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Buffer Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Buffer provides only limited protection against negative Index performance. When you invest Contract Value in a Strategy Account Option, you bear the risk that negative Index performance may cause the Index Credit Rate to be negative even after the application of the Buffer. This would result in a negative Index Credit Rate and reduce your Strategy Account Option Value. Additionally, the Buffer provides downside protection only on the Term End Date, so your exposure to negative Index performance during a Term is greatest before the Term End Date. If negative Index performance exceeds the Buffer Rate, your negative Index performance will equal the negative Index performance in excess of the Buffer Rate. For example, with a Buffer Rate of 10%, you could lose 90% of your investment in the Strategy Account Option if negative Index performance on the Term End Date is 100%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed Buffer Rate that we will offer under any Strategy Account Options is 10%. Buffer Rates for all Strategy Account Options will not change from one Term to the next.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Cap Secure Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> For a Strategy Account Option with Cap Secure, since the gain or loss is established on the Term End Date based on Index performance on each Contract Anniversary, losses can accumulate so that you could lose a percentage in excess of the Buffer Rate in multiple years of the Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Dual Direction with Cap and Dual Direction Trigger with Cap Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> For a Strategy Account Option with Dual Direction with Cap and a Strategy Account Option with Dual Direction Trigger with Cap, you should note that, because there will be a positive Index Credit Rates as long as the negative Index Change does not exceed the Buffer, a negative Index Change on the Term End Date that exceeds the Buffer Rate (even slightly) can result in very different Index Credit Rates. For example, for a Strategy Account Option with Dual Direction with Cap with a 10% Buffer, if the negative Index Change is –10.00%, the Index Credit Rate will be 10%; whereas if the negative Index Change is -10.01%, the Index Credit Rate will be -0.01%. For a Strategy Account Option with Dual Direction Trigger with Cap with a 10% Buffer and a Trigger Rate of 24%, if the negative Index Change is –10.00%, the Index Credit Rate will be 24%. The Trigger Rate applies because the negative Index Change is within the Buffer. However, if the negative Index Change is –10.01%, the Index Credit Rate will be –0.01% because the negative Index Change exceeds the Buffer.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Performance Capture Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract includes a “Performance Capture” feature for Strategy Account Options. If you exercise Performance Capture, your Interim Value for that Strategy Account Option on the Performance Capture Date is “captured” and will then earn an annual rate of interest credited daily at the Performance Capture Fixed Rate until the next Contract Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Performance Capture is subject to the following risks: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you exercise Performance Capture, you will be capturing an Interim Value for the applicable Strategy Account Option. Interim Values may be unfavorable to you. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Interim Value Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you capture an Interim Value that is lower than the amount you invested in that Strategy Account Option on the Term Start Date, you may be capturing a loss. It is possible that you would have realized less loss or no loss if you exercised the Performance Capture at a different time or not at all. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Performance Capture Date, your Strategy Account Option Value will begin earning an annual rate with daily credited interest at the Performance Capture Fixed Rate until the next Contract Anniversary. Therefore, between the Performance Capture Date and the next Contract Anniversary, the value within the Strategy Account Option will no longer be tied to Index performance, and you will not receive an Index Credit Rate. The sooner after the Term Start Date a Performance Capture occurs the longer you will forego participating in Index performance. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you exercise Performance Capture manually, we will “capture” the next calculated Interim Value after we receive your request in Good Order. Once we receive your request in Good Order, it is irrevocable. You won’t know the captured Interim Value in advance. The captured Interim Value may be lower or higher than the Interim Value that was calculated on the last day before you submitted your request. When you exercise Performance Capture automatically, you will not know the captured Interim Value in advance, the captured Interim Value will be triggered by the target Interim Value gain you have instructed us to capture. You may obtain the Interim Value(s) of your Strategy Account Option(s) online at www.corebridgefinancial.com/annuities or by contacting your financial representative. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You will not know the Interim Value at the time Performance Capture occurs and you may be “capturing” a loss. The loss may be significant. You should speak with your financial representative before exercising Performance Capture. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Performance Capture Fixed Rate may change at each Contract Anniversary, subject to a guaranteed minimum interest rate of 1.00%. If you are invested in a Strategy Account Option with a multi-year Term, your Performance Captured Fixed Rate may change from one Contract Anniversary to the next within the Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will not provide advice or notify you regarding whether you should exercise the Performance Capture or the best time to do so. We will not warn you if you exercise the Performance Capture at a time that may not be beneficial to you. We are not responsible for any losses related to your decision whether or not to exercise the Performance Capture. There may not be a best time to exercise the Performance Capture during a Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing Your Investment In A Strategy Account Option – Performance Capture.”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Index Substitution Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">During a Term, if an Index is discontinued or if the calculation of the Index is substantially changed by the Index provider, or if Index Values should become unavailable for any reason, we may substitute the Index with a new Index, once we obtain all necessary regulatory approvals. We will notify you of any such substitution in writing. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we substitute an Index, we will select a new Index that we determine in our judgment is comparable to the original Index. You will have no right to reject the substitution of an Index. The performance of the new Index may differ significantly from the performance of the original Index. If we substitute the Index for a Strategy Account Option in which you are invested, your investment in the Contract is subject to the same terms and conditions as any other investment in a Strategy Account Option under the Contract. For example, you may not be permitted to transfer Contract Value prior to the Term End Date if an Index substitution occurs. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we substitute an Index during a Term, we will calculate the Index Change using the original Index up until the substitution date. After the substitution date, we will calculate the Index Change using the replacement Index, but with a revised Initial Index Value for the replacement Index. The revised Initial Index Value for the replacement Index will reflect the Index Change for the original Index from the Term Start Date to the substitution date. We will use a similar process if multiple substitutions occur during a Term. The substitution of an Index will have no impact on the Strategy Account Option’s Term, Upside Parameter, Buffer, or any other features or rates for that Strategy Account Option other than the Index to which the Strategy Account Option is linked. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This example is intended to show how we would calculate the Index Change during a Term in which an Index was substituted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Index Change on substitution date for original Index</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Initial Index Value for original Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Value for original Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1050</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Change for original Index on substitution date</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">(1050 / 1000) – 1 = 5%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This 5% Index Change on the substitution date is then used to calculate the revised Initial Index Value for the replacement Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Revised Initial Index Value for replacement Index</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Change for original Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Value for replacement Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Revised Initial Index Value for replacement Index</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000/(100% +5%) = 952.38</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Index Change calculation for that Term is then based on the change between the revised Initial Index Value for the replacement Index, and the Final Index Value for the replacement Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assuming the Final Index Value for the replacement Index is 1010.52, then the Index Change on the Term End Date will be 6.10% ((1010.52 - 952.38) / 952.38). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing Your Investment In A Strategy Account Option – Index Substitutions.”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Availability by Selling Broker-Dealer.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The availability of the Strategy Account Options and Indices described in this prospectus may vary by selling broker-dealer firm. For example, a firm may choose not to offer certain Strategy Account Options that are described in this prospectus. Only those Strategy Account Options available through your firm will be part of your Contract and will be described in your firm’s marketing materials. For variations by selling broker-dealer firms </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">see "Appendix E: Broker-Dealer Variations."</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> You should ask your financial representative for details about the specific Strategy Account Options available under your Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Interim Value Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On any day during the Term, other than the Term Start Date and Term End Date, we determine the Strategy Account Option Value for each Strategy Account Option by calculating its Interim Value. We calculate your Interim Value based on the value of a hypothetical portfolio of financial instruments designed to replicate the Strategy Account Option Value if it were held until the Term End Date. Such value could be less than your investment in the Strategy Account Option even if the Index is performing positively. This means that even if the Index Change is positive, it is possible that the Interim Value may not have increased. The Interim Value is the amount in the Strategy Account Option that is available for transactions that occur during the Term, including Withdrawals (including RMDs), Surrenders, free Withdrawal amounts, Performance Capture, Death Benefit payments, and annuitization. The Interim Value could be less than your investment in a </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Strategy Account Option even if the Index is performing positively. Withdrawals or Surrenders that cause the Interim Value to be recalculated could result in the loss of principal investment and previously applied Index Credit Rates, and such losses could be as high as 100%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End will reduce your Contract Value Death Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment which will lower your Strategy Base in the Strategy Account Option in the same proportion that the Interim Value is reduced (rather than on a dollar-for-dollar basis) and may proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a reduction will reduce your Strategy Base for the remainder of the Term and the proportionate reduction may be greater than the dollar amount of the amount withdrawn, or the charge deducted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following transactions impact the Interim Value of a Strategy Account Option: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A charge is deducted from the Strategy Account Option; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">An amount is deducted from the Strategy Account Option due to a Surrender or any Withdrawal; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract is annuitized; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Death Benefit is paid. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you choose to allocate your Purchase Payment to a Strategy Account Option, an Index Credit will not be credited to your Contract Value until the Term End Date. This means that an Index Credit will not be credited to any amounts withdrawn prior to the Term End Date. This includes Contract Value applied to pay a Death Benefit or to begin an annuity income option. Except for the Term Start Date and the Term End Date, your Interim Value is the amount available for Withdrawals, Surrenders, annuitization and Death Benefits. You should consider the risk that it could be less than your original investment even when the applicable Index is performing positively.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Market Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">An investment in the Contract is subject to the risk of poor investment performance of the Strategy Account Options to which you have allocated Contract Value. You can lose money by investing in this Contract, including loss of principal and/or prior earnings. While limited protection from losses is provided under your Contract through a Buffer, you bear some level of the risk of decline in your Contract Value resulting from the performance of the Indexed Crediting Rate Strategies and the risk of losses may be significant. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Under extreme circumstances, you could lose up to </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">90</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">% of your investment in a Strategy Account Option with a 10% Buffer Rate and up to </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">80</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">% of your investment in a Strategy Account Option with a 20% Buffer Rate. The minimum guaranteed Buffer Rate that we offer under any Strategy Account Options is </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%, and we will always offer at least one Strategy Account Option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">There is no guarantee that </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Strategy Account Options that limit Index losses will always be offered. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you, including one that does not limit losses, which would mean risk of loss of the entire amount invested.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If you take a withdrawal from a Strategy Account Option prior to the Term End Date, it will be based on the Interim Value and the Buffer will not apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Early Withdrawal Risk,”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> below. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Contract is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This Contract is not federally insured by the federal deposit insurance corporation, the federal reserve board, or any other agency.</span> 0.90 0.80 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">There is no guarantee that </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Strategy Account Options that limit Index losses will always be offered. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you, including one that does not limit losses, which would mean risk of loss of the entire amount invested.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Early Withdrawal Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral and long-term income protections mean that this Contract is more beneficial to investors with a long investment time horizon. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You should carefully consider the risks associated with Withdrawals under the Contract. Withdrawals may be subject to significant Withdrawal Charges. If you make a Withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% Federal tax penalty. A Withdrawal may reduce the value of your standard benefits. For instance, a Withdrawal will reduce the value of the Death Benefit. A Surrender will result in the termination of your Contract. We may defer payment of Withdrawals or Surrender for up to six months when permitted by law. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you make a Withdrawal or Surrender your Contract within six years after the Contract Issue Date, you may be assessed a Withdrawal Charge of up to 8% of the amount withdrawn in excess of the 10% annual free Withdrawal amount. In addition, Withdrawals during a Term could result in a greater reduction in your Contract Value than if you waited until the Term End Date. Withdrawals during a Term will proportionately reduce your Strategy Base, which could be significantly more than the dollar amount of your Withdrawal. The application of the Interim Value to Withdrawals taken prior to the Term End Date and proportional reductions to your Strategy Base, together with any Withdrawal Charges, could significantly reduce your Contract Value and reduce any gains on the Term End Date. The Interim Value is the amount in the Strategy Account Option that is available for transactions that occur during the Term, including Withdrawals (including RMDs), Surrenders, free Withdrawal amounts, Performance Captures, Death Benefit payments, and annuitization. The Interim Value could be less than your investment in a Strategy Account Option even if the Index is performing positively. Withdrawals or Surrenders that cause the Interim Value to be recalculated could result in the loss of principal investment and previously applied Index Credit Rates, and such losses could be as high as </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">%. All Withdrawals taken, and charges deducted, from a Strategy Account Option before a Term End Date will reduce the Contract Value Death Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment which will lower your Strategy Base in the Strategy Account Option in the same proportion that the Interim Value is reduced (rather than on a dollar-for-dollar basis) which may proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a reduction will reduce your Strategy Base for the remainder of the Term and the proportionate reduction may be greater than the dollar amount of the amount withdrawn, or the charge deducted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Withdrawals could result in significant reductions to your Contract Value and to the Death Benefit, perhaps by more than the amount withdrawn. Withdrawals taken before the Term End Date of a Strategy Account Option could also significantly reduce any Index Credit applied at the Term End Date. The Upside Parameters and Buffer are not applied until the Term End Date and do not apply in calculating your Interim Values. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract may not be appropriate if you intend to take Withdrawals from a Strategy Account Option prior to the Term End Date or from the Contract during the first six years. You should consult with your financial representative before making a Withdrawal.</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Our Financial Strength and Claims-Paying Ability Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Our General Account assets support the guarantees under the Contract and are subject to the claims of our creditors. Therefore, the guarantees under the Contract are subject to our financial strength and claims-paying ability. The assets in the Separate Account, like our General Account, are subject to our creditors. You need to consider our financial strength and claims-paying ability in meeting the guarantees under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Business Disruption Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Our business is vulnerable to disruptions from natural and man-made disasters and catastrophes, such as, but not limited to, hurricanes, windstorms, flooding, earthquakes, wildfires, solar storms, war or other military action, acts of terrorism, explosions and fires, pandemics (such as COVID-19) and other highly contagious diseases, mass torts, failure of telecommunications or other critical infrastructure, and other catastrophes. A natural or man-made disaster or catastrophe may negatively affect the computer and other systems on which we rely, including service outages or other unavailability, may interfere with our ability to receive, pickup and process mail, to calculate the Index Change or process other Contract-related transactions, or to otherwise provide our services, or may have other possible negative impacts. While we have developed and put in place what we believe to be appropriate business continuity and disaster recovery plans and procedures to mitigate operational risks and potential losses related to business disruptions resulting from natural and man-made disasters and catastrophes, there can be no assurance that we, our agents, the Indices or our service providers will be able to successfully avoid negative impacts resulting from such disasters and catastrophes.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Cybersecurity Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We rely heavily on interconnected computer systems and digital data to conduct our annuity business activities. Because our annuity business is highly dependent upon the effective operation of our computer systems and those of our business partners and service providers, our business is vulnerable to physical disruptions and utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), cyber-attacks, and user errors or other disruptions that may compromise the confidentiality, integrity, or availability of such systems and data. These risks include, among other things, the theft, misuse, corruption, disclosure and destruction of sensitive business data, including personal information, maintained on our or our business partners’ or service providers’ systems, interference with our websites (such as via denial of service attacks), and other operational disruptions, and unauthorized release of confidential customer information. Such systems failures, cyber-attacks, or other disruptions affecting us, any third-party administrator, the Index or Index issuers, intermediaries and other affiliated or third-party service providers, as well as our distribution partners, may adversely affect us and your Contract Value. For instance, systems failures and cyber-attacks may interfere with our processing of contract transactions, including the processing of orders from our website, impact our ability to calculate the Index Change, cause the release and possible destruction of confidential customer or business information, including personal information, impede order processing, or subject us and/or our service providers, distribution partners and other intermediaries to regulatory fines and enforcement action, litigation risks and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities that comprise the Indices, which may cause the securities making up the Index to lose value. There may be an increased risk of cyber-attacks during periods of geo-political or military conflict. Further, the widespread development, implementation, and use of AI, machine learning, data analytics and similar tools that collect, aggregate and analyze data or inputs (collectively, “AI Tools”) may increase our exposure to, or exacerbate the risks of, cyber-attacks or other security incidents, particularly where such technologies are exploited by third parties to attempt to breach our or our business partners’ and service providers’ systems. Despite our implementation of policies and procedures, which we believe to be reasonable, that address physical, administrative and technical safeguards and controls and other preventative actions to protect our systems and sensitive business and customer information, including personal information, and reduce the risk of cyber-incidents, there can be no assurance that we or our distribution partners, the Indices or our business partners and service providers will avoid cyber-attacks or information security breaches in the future that may affect your Contract and/or personal information.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Allocation Account Availability Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We reserve the right to add, remove and replace Allocation Accounts as available investment options. There is no guarantee that an Allocation Account you select for investment will always be available in the future or available with the same rates. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">There is no guarantee that any Strategy Account Option will always be available in the future. However, we will always offer at least one Strategy Account Option that is either currently offered or is similar to one that is currently offered as of the date of this prospectus. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you. We may change the Strategy Account Options and the Upside Parameters rates, subject to the stated guaranteed minimum rates. There is no guarantee that a particular Strategy Account Option, Fixed Account Option, or Index will be available during the entire time that you own your Contract. Please note the Index for that Strategy Account Option remains subject to our right of substitution. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Index Substitution Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we remove an Allocation Account, it will be closed such that no transfers will be allowed into that Allocation Account. If you are currently invested in an Allocation Account and it is removed, you may remain in that Allocation Account until the Term End Date.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Liquidity Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Contract may be appropriate if you are looking for retirement income or you want to meet other long-term financial objectives. The Contract is not designed to be a short-term investment and may not be appropriate for you if you intend to take early or frequent Withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Transfer Limitations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Contract restricts transfers between investment options, which will limit your ability to transfer your Contract Value in response to changes in market conditions or your personal circumstances. You may transfer Contract Value invested in an Allocation Account only on the Term End Date for that Allocation Account (or on the next Contract Anniversary after a Performance Capture occurs).</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Withdrawal and Surrender Consequences.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> You may take a Withdrawal or Surrender at any time during the Accumulation Phase; however, there may be significant risks and negative consequences associated with any such Withdrawal or Surrender, including potential Withdrawal Charges, taxes and tax penalties, and negative impacts to the value of your investment. If you take a Withdrawal or Surrender before the Term End Date of a Strategy Account Option, it will reduce the Interim Value of your investment in that Strategy Account Option. All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End Date will reduce the Contract Value Death Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment which will lower your Strategy Base in the Strategy Account Option in the same proportion that the Interim Value is reduced which may proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a reduction will reduce your Strategy Base for the remainder of the Term and the proportionate reduction may be greater than the dollar amount of the amount withdrawn. Withdrawals could result in significant reductions to your Contract Value and to the Death Benefit, perhaps by more than the amount withdrawn. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Withdrawals taken before the Term End Date of a Strategy Account Option could also result in forfeiture of Index Credit Rates or significantly reduce any Index Credit Rates applied at the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Early Withdrawal Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Interim Values.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> There may be long periods of time when you can only perform a transaction under the Contract that is based on one or more Interim Values. For as long as you have multiple ongoing Terms for Strategy Account Options, there may be no time that any such transaction can be performed without the application of at least one Interim Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Interim Value Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Taxes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Income taxes and certain tax restrictions may apply to any Withdrawal or Surrender. If taken before age 59½, a Withdrawal or Surrender may also be subject to a 10% federal tax penalty. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Delays in Payment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> We generally make payment of any amount due from the Contract within seven (7) days from the date we receive all required information in Good Order. When permitted by law, however, we may defer payment of any Withdrawal or Surrender proceeds for up to six (6) months from the date we receive your request.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Transfer Limitations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Contract restricts transfers between investment options, which will limit your ability to transfer your Contract Value in response to changes in market conditions or your personal circumstances. You may transfer Contract Value invested in an Allocation Account only on the Term End Date for that Allocation Account (or on the next Contract Anniversary after a Performance Capture occurs).</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Index Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Strategy Account Option Value(s) will be impacted by the performance of the reference Index. Although you will not directly invest in the reference Index, you are indirectly exposed to the investment risks associated with an Index, such as market, equity and issuer risks. The following risks related to Index performance apply when you invest in a Strategy Account Option: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Negative Index Performance Could Result in Loss.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The performance of any Index may fluctuate, sometimes rapidly and unpredictably. Both short-term and sustained negative Index performance, over one or multiple Terms, may cause you to lose principal or previous earnings. The historical performance of an Index does not guarantee future results. It is impossible to predict whether an Index will perform positively or negatively over the course of a Term or multiple Terms.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Index Change Calculations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> We calculate Index Changes by comparing the value of the Index between two specific points in time, which means the performance of the Index may be negative or flat even if the Index performed positively for certain time periods between those two specific points in time. This is true even for Strategy Account Options with multi-year Terms.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Dividends Excluded from Index Values.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Each Index is a price return index, not a total return index, and therefore Index Values do not include income from any dividends or other distributions paid by a market index’s component companies. This will cause the Index to underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">No Rights in the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> When you invest in a Strategy Account Option, you are not investing directly in the Index or in the securities tracked by the Index, You have no rights with respect to the Index, the Index provider, or any aspect of the Index or any companies whose securities comprise the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Evolving and Uncertain Economic Environment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> In recent years, the financial markets have experienced periods of significant volatility and negative returns, contributing to an uncertain and evolving economic environment. The performance of the markets has been impacted by several interrelating factors such as, but not limited to, the COVID-19 pandemic, geopolitical turmoil, rising inflation, changes in interest rates, and actions by governmental authorities. It is not possible to predict future performance of the markets. Depending on your individual circumstances, you may experience (perhaps significant) negative returns under the Contract. You should consult with your financial representative about how market conditions may impact your investment decisions under the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Exposure to Investment Risks.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> When you invest in a Strategy Account Option, you are indirectly exposed to the investment risks that could cause the stocks or other instruments that comprise the Index to decrease in value. The Indices </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">are subject to a variety of investment risks, many of which are complicated and interrelated and all of which may adversely impact Index performance. If you invest in a Strategy Account Option with an Index that exposes you to higher investment risks, your risk of loss may be higher depending on the level of the Strategy Account Option’s downside protection. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Market Risk. Each Index could decrease in value over short periods due to short-term market movements and over longer periods during more prolonged market downturns. Negative fluctuations in the value of an Index may be significant and unpredictable. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Equity Risk. Each Index is comprised of equity securities or other assets considered to represent a particular market or sector. Equity securities are subject to changes in value, and their values may be more volatile than those of other asset classes. Equity securities may underperform in comparison to the general financial markets, a particular market segment, or other asset classes. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Issuer Risk. The performance of each Index depends on the performance of individual securities that make-up the Index. Changes in the financial condition or credit rating of an issuer of those securities may cause the value of the securities to decline.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Risks Related to Specific Indices.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> In addition to the foregoing, each Index has its own unique risks, as follows: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;"> Price Return Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. Generally, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with small-capitalization (“small cap”) companies.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">® </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is composed of equity securities issued by large-cap U.S. and non-U.S. companies, excluding financial companies. To the extent the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">MSCI EAFE Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is designed to represent the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia and the Far East, excluding U.S. and Canada. In general, large-cap companies may be unable to respond quickly in response to changes in their industry and new competitive challenges and may not be able to attain the high growth rates of successful smaller companies. The securities of mid-cap companies may be more volatile and may involve more risk than the securities of larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;"> Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is comprised of equity securities of small-cap U.S. companies. Generally, the securities of small-cap companies are more volatile and riskier than the securities of large-cap companies.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Negative Index Performance Could Result in Loss.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The performance of any Index may fluctuate, sometimes rapidly and unpredictably. Both short-term and sustained negative Index performance, over one or multiple Terms, may cause you to lose principal or previous earnings. The historical performance of an Index does not guarantee future results. It is impossible to predict whether an Index will perform positively or negatively over the course of a Term or multiple Terms.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Index Change Calculations.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> We calculate Index Changes by comparing the value of the Index between two specific points in time, which means the performance of the Index may be negative or flat even if the Index performed positively for certain time periods between those two specific points in time. This is true even for Strategy Account Options with multi-year Terms.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Dividends Excluded from Index Values.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Each Index is a price return index, not a total return index, and therefore Index Values do not include income from any dividends or other distributions paid by a market index’s component companies. This will cause the Index to underperform in comparison to a direct investment in a total return index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">No Rights in the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> When you invest in a Strategy Account Option, you are not investing directly in the Index or in the securities tracked by the Index, You have no rights with respect to the Index, the Index provider, or any aspect of the Index or any companies whose securities comprise the Index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;"> Price Return Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. Generally, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with small-capitalization (“small cap”) companies.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">® </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is composed of equity securities issued by large-cap U.S. and non-U.S. companies, excluding financial companies. To the extent the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">MSCI EAFE Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is designed to represent the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia and the Far East, excluding U.S. and Canada. In general, large-cap companies may be unable to respond quickly in response to changes in their industry and new competitive challenges and may not be able to attain the high growth rates of successful smaller companies. The securities of mid-cap companies may be more volatile and may involve more risk than the securities of larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;"> Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This Index is comprised of equity securities of small-cap U.S. companies. Generally, the securities of small-cap companies are more volatile and riskier than the securities of large-cap companies.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Upside Parameter and Buffer Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Each Strategy Account Option has an applicable Upside Parameter and Buffer for determining the Index Credit Rate applied to your Strategy Account Option Value. Each Strategy Account Options has an Upside Parameter that provides either a Cap, Cap Secure, Participation and Cap, Enhanced Participation and Cap, Dual Direction with Cap, Dual Direction Trigger with Cap or Trigger, and downside protection in the form of a Buffer (including the Dual Direction with Cap and Dual Direction Trigger with Cap). The Upside Parameters, including their applicable rates, can change from one Term to the next, however, each Upside Parameter is subject to minimum guaranteed rates. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed rates that may be established under the Contract for each of the types of limit on Index gains are: Cap Rate (no lower than 4%), Cap Secure Rate (no lower than 5%), Participation Rate (no lower than 100%), and Trigger Rate (no lower than 5%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Upside Parameter Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> If you invest Contract Value in a Strategy Account Option, the highest possible Index Credit Rate that you may achieve is limited by the applicable Upside Parameter. Because of these limits, the Index Credit Rate for a Strategy Account Option may be less than the positive Index Change. The Upside Parameters may therefore limit the positive Index Credit Rate, if any, that may be applied to your Contract Value for a given Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We set the Upside Parameter rates each Term in our discretion, however, they will never be less than the minimum rates set forth in this prospectus. You bear the risk that we will not set the Upside Parameter rates higher than these minimums. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Buffer Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Buffer provides only limited protection against negative Index performance. When you invest Contract Value in a Strategy Account Option, you bear the risk that negative Index performance may cause the Index Credit Rate to be negative even after the application of the Buffer. This would result in a negative Index Credit Rate and reduce your Strategy Account Option Value. Additionally, the Buffer provides downside protection only on the Term End Date, so your exposure to negative Index performance during a Term is greatest before the Term End Date. If negative Index performance exceeds the Buffer Rate, your negative Index performance will equal the negative Index performance in excess of the Buffer Rate. For example, with a Buffer Rate of 10%, you could lose 90% of your investment in the Strategy Account Option if negative Index performance on the Term End Date is 100%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed Buffer Rate that we will offer under any Strategy Account Options is 10%. Buffer Rates for all Strategy Account Options will not change from one Term to the next.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Cap Secure Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> For a Strategy Account Option with Cap Secure, since the gain or loss is established on the Term End Date based on Index performance on each Contract Anniversary, losses can accumulate so that you could lose a percentage in excess of the Buffer Rate in multiple years of the Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Dual Direction with Cap and Dual Direction Trigger with Cap Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> For a Strategy Account Option with Dual Direction with Cap and a Strategy Account Option with Dual Direction Trigger with Cap, you should note that, because there will be a positive Index Credit Rates as long as the negative Index Change does not exceed the Buffer, a negative Index Change on the Term End Date that exceeds the Buffer Rate (even slightly) can result in very different Index Credit Rates. For example, for a Strategy Account Option with Dual Direction with Cap with a 10% Buffer, if the negative Index Change is –10.00%, the Index Credit Rate will be 10%; whereas if the negative Index Change is -10.01%, the Index Credit Rate will be -0.01%. For a Strategy Account Option with Dual Direction Trigger with Cap with a 10% Buffer and a Trigger Rate of 24%, if the negative Index Change is –10.00%, the Index Credit Rate will be 24%. The Trigger Rate applies because the negative Index Change is within the Buffer. However, if the negative Index Change is –10.01%, the Index Credit Rate will be –0.01% because the negative Index Change exceeds the Buffer.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Buffer Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Buffer provides only limited protection against negative Index performance. When you invest Contract Value in a Strategy Account Option, you bear the risk that negative Index performance may cause the Index Credit Rate to be negative even after the application of the Buffer. This would result in a negative Index Credit Rate and reduce your Strategy Account Option Value. Additionally, the Buffer provides downside protection only on the Term End Date, so your exposure to negative Index performance during a Term is greatest before the Term End Date. If negative Index performance exceeds the Buffer Rate, your negative Index performance will equal the negative Index performance in excess of the Buffer Rate. For example, with a Buffer Rate of 10%, you could lose 90% of your investment in the Strategy Account Option if negative Index performance on the Term End Date is 100%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed Buffer Rate that we will offer under any Strategy Account Options is 10%. Buffer Rates for all Strategy Account Options will not change from one Term to the next.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Cap Secure Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> For a Strategy Account Option with Cap Secure, since the gain or loss is established on the Term End Date based on Index performance on each Contract Anniversary, losses can accumulate so that you could lose a percentage in excess of the Buffer Rate in multiple years of the Term.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Dual Direction with Cap and Dual Direction Trigger with Cap Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> For a Strategy Account Option with Dual Direction with Cap and a Strategy Account Option with Dual Direction Trigger with Cap, you should note that, because there will be a positive Index Credit Rates as long as the negative Index Change does not exceed the Buffer, a negative Index Change on the Term End Date that exceeds the Buffer Rate (even slightly) can result in very different Index Credit Rates. For example, for a Strategy Account Option with Dual Direction with Cap with a 10% Buffer, if the negative Index Change is –10.00%, the Index Credit Rate will be 10%; whereas if the negative Index Change is -10.01%, the Index Credit Rate will be -0.01%. For a Strategy Account Option with Dual Direction Trigger with Cap with a 10% Buffer and a Trigger Rate of 24%, if the negative Index Change is –10.00%, the Index Credit Rate will be 24%. The Trigger Rate applies because the negative Index Change is within the Buffer. However, if the negative Index Change is –10.01%, the Index Credit Rate will be –0.01% because the negative Index Change exceeds the Buffer.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-style:italic;">Dual Direction with Cap and Dual Direction Trigger with Cap Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> For a Strategy Account Option with Dual Direction with Cap and a Strategy Account Option with Dual Direction Trigger with Cap, you should note that, because there will be a positive Index Credit Rates as long as the negative Index Change does not exceed the Buffer, a negative Index Change on the Term End Date that exceeds the Buffer Rate (even slightly) can result in very different Index Credit Rates. For example, for a Strategy Account Option with Dual Direction with Cap with a 10% Buffer, if the negative Index Change is –10.00%, the Index Credit Rate will be 10%; whereas if the negative Index Change is -10.01%, the Index Credit Rate will be -0.01%. For a Strategy Account Option with Dual Direction Trigger with Cap with a 10% Buffer and a Trigger Rate of 24%, if the negative Index Change is –10.00%, the Index Credit Rate will be 24%. The Trigger Rate applies because the negative Index Change is within the Buffer. However, if the negative Index Change is –10.01%, the Index Credit Rate will be –0.01% because the negative Index Change exceeds the Buffer.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Performance Capture Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract includes a “Performance Capture” feature for Strategy Account Options. If you exercise Performance Capture, your Interim Value for that Strategy Account Option on the Performance Capture Date is “captured” and will then earn an annual rate of interest credited daily at the Performance Capture Fixed Rate until the next Contract Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Performance Capture is subject to the following risks: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you exercise Performance Capture, you will be capturing an Interim Value for the applicable Strategy Account Option. Interim Values may be unfavorable to you. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Interim Value Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you capture an Interim Value that is lower than the amount you invested in that Strategy Account Option on the Term Start Date, you may be capturing a loss. It is possible that you would have realized less loss or no loss if you exercised the Performance Capture at a different time or not at all. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Performance Capture Date, your Strategy Account Option Value will begin earning an annual rate with daily credited interest at the Performance Capture Fixed Rate until the next Contract Anniversary. Therefore, between the Performance Capture Date and the next Contract Anniversary, the value within the Strategy Account Option will no longer be tied to Index performance, and you will not receive an Index Credit Rate. The sooner after the Term Start Date a Performance Capture occurs the longer you will forego participating in Index performance. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you exercise Performance Capture manually, we will “capture” the next calculated Interim Value after we receive your request in Good Order. Once we receive your request in Good Order, it is irrevocable. You won’t know the captured Interim Value in advance. The captured Interim Value may be lower or higher than the Interim Value that was calculated on the last day before you submitted your request. When you exercise Performance Capture automatically, you will not know the captured Interim Value in advance, the captured Interim Value will be triggered by the target Interim Value gain you have instructed us to capture. You may obtain the Interim Value(s) of your Strategy Account Option(s) online at www.corebridgefinancial.com/annuities or by contacting your financial representative. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You will not know the Interim Value at the time Performance Capture occurs and you may be “capturing” a loss. The loss may be significant. You should speak with your financial representative before exercising Performance Capture. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Performance Capture Fixed Rate may change at each Contract Anniversary, subject to a guaranteed minimum interest rate of 1.00%. If you are invested in a Strategy Account Option with a multi-year Term, your Performance Captured Fixed Rate may change from one Contract Anniversary to the next within the Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will not provide advice or notify you regarding whether you should exercise the Performance Capture or the best time to do so. We will not warn you if you exercise the Performance Capture at a time that may not be beneficial to you. We are not responsible for any losses related to your decision whether or not to exercise the Performance Capture. There may not be a best time to exercise the Performance Capture during a Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing Your Investment In A Strategy Account Option – Performance Capture.”</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Index Substitution Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">During a Term, if an Index is discontinued or if the calculation of the Index is substantially changed by the Index provider, or if Index Values should become unavailable for any reason, we may substitute the Index with a new Index, once we obtain all necessary regulatory approvals. We will notify you of any such substitution in writing. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we substitute an Index, we will select a new Index that we determine in our judgment is comparable to the original Index. You will have no right to reject the substitution of an Index. The performance of the new Index may differ significantly from the performance of the original Index. If we substitute the Index for a Strategy Account Option in which you are invested, your investment in the Contract is subject to the same terms and conditions as any other investment in a Strategy Account Option under the Contract. For example, you may not be permitted to transfer Contract Value prior to the Term End Date if an Index substitution occurs. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we substitute an Index during a Term, we will calculate the Index Change using the original Index up until the substitution date. After the substitution date, we will calculate the Index Change using the replacement Index, but with a revised Initial Index Value for the replacement Index. The revised Initial Index Value for the replacement Index will reflect the Index Change for the original Index from the Term Start Date to the substitution date. We will use a similar process if multiple substitutions occur during a Term. The substitution of an Index will have no impact on the Strategy Account Option’s Term, Upside Parameter, Buffer, or any other features or rates for that Strategy Account Option other than the Index to which the Strategy Account Option is linked. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This example is intended to show how we would calculate the Index Change during a Term in which an Index was substituted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Index Change on substitution date for original Index</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Initial Index Value for original Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Value for original Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1050</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Change for original Index on substitution date</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">(1050 / 1000) – 1 = 5%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This 5% Index Change on the substitution date is then used to calculate the revised Initial Index Value for the replacement Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Revised Initial Index Value for replacement Index</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Change for original Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Value for replacement Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Revised Initial Index Value for replacement Index</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000/(100% +5%) = 952.38</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Index Change calculation for that Term is then based on the change between the revised Initial Index Value for the replacement Index, and the Final Index Value for the replacement Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assuming the Final Index Value for the replacement Index is 1010.52, then the Index Change on the Term End Date will be 6.10% ((1010.52 - 952.38) / 952.38). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing Your Investment In A Strategy Account Option – Index Substitutions.”</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Availability by Selling Broker-Dealer.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The availability of the Strategy Account Options and Indices described in this prospectus may vary by selling broker-dealer firm. For example, a firm may choose not to offer certain Strategy Account Options that are described in this prospectus. Only those Strategy Account Options available through your firm will be part of your Contract and will be described in your firm’s marketing materials. For variations by selling broker-dealer firms </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">see "Appendix E: Broker-Dealer Variations."</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> You should ask your financial representative for details about the specific Strategy Account Options available under your Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-transform:uppercase;">Interim Value Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On any day during the Term, other than the Term Start Date and Term End Date, we determine the Strategy Account Option Value for each Strategy Account Option by calculating its Interim Value. We calculate your Interim Value based on the value of a hypothetical portfolio of financial instruments designed to replicate the Strategy Account Option Value if it were held until the Term End Date. Such value could be less than your investment in the Strategy Account Option even if the Index is performing positively. This means that even if the Index Change is positive, it is possible that the Interim Value may not have increased. The Interim Value is the amount in the Strategy Account Option that is available for transactions that occur during the Term, including Withdrawals (including RMDs), Surrenders, free Withdrawal amounts, Performance Capture, Death Benefit payments, and annuitization. The Interim Value could be less than your investment in a </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Strategy Account Option even if the Index is performing positively. Withdrawals or Surrenders that cause the Interim Value to be recalculated could result in the loss of principal investment and previously applied Index Credit Rates, and such losses could be as high as 100%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End will reduce your Contract Value Death Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment which will lower your Strategy Base in the Strategy Account Option in the same proportion that the Interim Value is reduced (rather than on a dollar-for-dollar basis) and may proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a reduction will reduce your Strategy Base for the remainder of the Term and the proportionate reduction may be greater than the dollar amount of the amount withdrawn, or the charge deducted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following transactions impact the Interim Value of a Strategy Account Option: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A charge is deducted from the Strategy Account Option; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">An amount is deducted from the Strategy Account Option due to a Surrender or any Withdrawal; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract is annuitized; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Death Benefit is paid. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you choose to allocate your Purchase Payment to a Strategy Account Option, an Index Credit will not be credited to your Contract Value until the Term End Date. This means that an Index Credit will not be credited to any amounts withdrawn prior to the Term End Date. This includes Contract Value applied to pay a Death Benefit or to begin an annuity income option. Except for the Term Start Date and the Term End Date, your Interim Value is the amount available for Withdrawals, Surrenders, annuitization and Death Benefits. You should consider the risk that it could be less than your original investment even when the applicable Index is performing positively.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End will reduce your Contract Value Death Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment which will lower your Strategy Base in the Strategy Account Option in the same proportion that the Interim Value is reduced (rather than on a dollar-for-dollar basis) and may proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a reduction will reduce your Strategy Base for the remainder of the Term and the proportionate reduction may be greater than the dollar amount of the amount withdrawn, or the charge deducted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following transactions impact the Interim Value of a Strategy Account Option: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A charge is deducted from the Strategy Account Option; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">An amount is deducted from the Strategy Account Option due to a Surrender or any Withdrawal; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract is annuitized; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Death Benefit is paid. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you choose to allocate your Purchase Payment to a Strategy Account Option, an Index Credit will not be credited to your Contract Value until the Term End Date. This means that an Index Credit will not be credited to any amounts withdrawn prior to the Term End Date. This includes Contract Value applied to pay a Death Benefit or to begin an annuity income option. Except for the Term Start Date and the Term End Date, your Interim Value is the amount available for Withdrawals, Surrenders, annuitization and Death Benefits. You should consider the risk that it could be less than your original investment even when the applicable Index is performing positively.</span> true <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Fixed Account Option</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Fixed Account Option</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Fixed Account Option credits a fixed rate of interest daily that compounds over one year to the annual interest rate we declared for that Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Information regarding the features of the Fixed Account Option, including (i) its name, (ii) its Term and (iii) its minimum guaranteed interest rate, is available in an appendix to this prospectus. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Appendix A: Investment Options Available Under the Contract.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The initial interest rate for a Purchase Payment allocated to the Fixed Account Option is set on the Contract Issue Date and is guaranteed for a 1-year Term. A new interest rate will be declared before the Term End Date and will be guaranteed for the new Term. We determine the annual interest rates for new Terms at our discretion, subject to a guaranteed minimum interest rate that will never be less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">1.00</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Interest will be credited on a daily basis during the Term. The daily rate is calculated as [((1+Annual Interest Rate) ^ (1/365)) - 1]. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In a leap year, the daily rate is calculated as [((1+Annual Interest Rate) ^ (1/366)) - 1].</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Fixed Account Option, subject to the applicable renewal interest rates, will serve as the default allocation option in the absence of your instructions or if your allocation to a Strategy Account Option is no longer available.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will send you a notice at least ten (10) days prior to the Term End Date (or Contract Anniversary after a Performance Capture) explaining how you may obtain the Strategy Account Options available to you for transfer on the Term End Date (or Contract Anniversary after a Performance Capture) and the renewal interest rates and current Strategy Account Option rates declared for the next Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Transfers Between Allocation Accounts”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> for information on how you may provide instructions on reallocating Contract Value on a Term End Date (or the Contract Anniversary after a Performance Capture). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Interests in the Fixed Account Option are not registered under the Securities Act of 1933, as amended, and the Fixed Account Option is not registered as an “investment company” under the Investment Company Act of 1940, as amended.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Fixed Account Option credits a fixed rate of interest daily that compounds over one year to the annual interest rate we declared for that Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Information regarding the features of the Fixed Account Option, including (i) its name, (ii) its Term and (iii) its minimum guaranteed interest rate, is available in an appendix to this prospectus. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Appendix A: Investment Options Available Under the Contract.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The initial interest rate for a Purchase Payment allocated to the Fixed Account Option is set on the Contract Issue Date and is guaranteed for a 1-year Term. A new interest rate will be declared before the Term End Date and will be guaranteed for the new Term. We determine the annual interest rates for new Terms at our discretion, subject to a guaranteed minimum interest rate that will never be less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">1.00</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Interest will be credited on a daily basis during the Term. The daily rate is calculated as [((1+Annual Interest Rate) ^ (1/365)) - 1]. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In a leap year, the daily rate is calculated as [((1+Annual Interest Rate) ^ (1/366)) - 1].</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> 0.0100 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Fixed Account Option, subject to the applicable renewal interest rates, will serve as the default allocation option in the absence of your instructions or if your allocation to a Strategy Account Option is no longer available.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will send you a notice at least ten (10) days prior to the Term End Date (or Contract Anniversary after a Performance Capture) explaining how you may obtain the Strategy Account Options available to you for transfer on the Term End Date (or Contract Anniversary after a Performance Capture) and the renewal interest rates and current Strategy Account Option rates declared for the next Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Transfers Between Allocation Accounts”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> for information on how you may provide instructions on reallocating Contract Value on a Term End Date (or the Contract Anniversary after a Performance Capture). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Interests in the Fixed Account Option are not registered under the Securities Act of 1933, as amended, and the Fixed Account Option is not registered as an “investment company” under the Investment Company Act of 1940, as amended.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Strategy Account Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You can allocate your Purchase Payment and Contract Value to one or more of the Strategy Account Option(s) offered under the Contract, in addition to the Fixed Account Option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will credit positive, negative, or zero Index Credit, as applicable, at </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the Term End Date to amounts allocated to a Strategy Account Option based, in part, on the performance of the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">An investment in a Strategy Account Option is not an investment in the Index or any index fund.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You could lose a significant amount of money if the Index declines in value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If amounts are removed from a Strategy Account Option before the Term End Date, you could lose a significant amount of money due to the Interim Value adjustment. The availability of Strategy Account Options may vary by the broker-dealer with which your financial representative is affiliated. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See "Appendix E: Broker-Dealer Variations."</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> You should ask your financial representative for details about the specific Strategy Account Options available under your Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We reserve the right to add, replace or remove Strategy Account Options offered, change the Indices, and limit the number of offered Strategy Account Options to only one. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you. We may change the Strategy Account Options and the Upside Parameters rates subject to the stated guaranteed minimum rates. There is no guarantee that a particular Strategy Account Option or Index will be available during the entire time that you own your Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Information regarding the features of each currently offered Strategy Account Option, including (i) the Index name, (ii) the type of Index, (iii) the Term, (iv) the Index Crediting Method, (v) the Current Buffer Rate, (vi) the Guaranteed Minimum Limit on Upside Parameter Rates, and (vii) the Availability of Performance Capture, is available in Appendix A to the prospectus. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Appendix A: Investment Options Available Under the Contract.”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Term for a Strategy Account Option may be one, three, or six years. Before selecting a Strategy Account Option for investment, you should consider in consultation with your financial professional which Term lengths may be appropriate for you based on your liquidity needs, investment horizon and financial goals. Investing in Strategy Account Options with shorter Terms will provide more opportunities for Index Credits and transferring Contract Value; however, assuming the same Index and limit on Index loss, Strategy Account Options with shorter Terms generally tend to have less potential for gain. Conversely, investing in Strategy Account Options with longer Terms will provide fewer opportunities for Index Credits and transferring Contract Value; however, assuming the same Index and limit on Index loss, Strategy Account Options with longer Terms generally tend to have more potential for gain. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Amounts must remain in a Strategy Account Option until the Term End Date to be credited with an Index Credit Rate. A Withdrawal from the Strategy Account Option during a Term could result in a possible Negative Adjustment to the Interim Value in addition to potential Withdrawal Charges and tax consequences. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">When you invest in a Strategy Account Option, your investment begins on the Term Start Date and generally ends on the Term End Date. On the Term End Date, we apply gain or loss to your Contract based on how the Strategy Account Option performed. The Strategy Account Option’s performance is linked to the performance of an Index. See “</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The Indices</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">.” The Index’s performance is measured by calculating the Index Change. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, regardless of how the Index otherwise performed between the Term Start Date and the Term End Date: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Initial Index Value is 1000 and the Final Index Value is 1100, the Index Change would be +10% (i.e., ((1100/1000) – 1 = 10%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Initial Index Value is 1000 and the Final Index Value is 900, the Index Change would be -10% (i.e., ((900/1000) – 1 = -10%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For a Strategy Account Option with Cap Secure Upside Parameter, the Index Changes are calculated on Contract Anniversaries. See examples later in this section for more information. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The amount of gain or loss applied to your investment will depend on the Index Change and the Strategy Account Option’s upside and downside parameters. For example: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Applying Upside Parameters: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">When the Index Change is positive, your Strategy Account Option Value increases. The extent to which you participate in the positive Index performance depends on the Strategy Account Option’s Upside Parameter. The applicable Upside Parameter will limit the positive Index performance credited to the Strategy Account Option at the Term End Date. For each Strategy Account Option available for investment, the rates of the Upside Parameters that we are currently offering for new Terms are available at the following website address: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">www.corebridgefinancial.com/rila-rates-ny</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">. The rates of the Upside Parameters posted on that website address are incorporated by reference into the prospectus. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you select a Strategy Account Option with a Cap, and Index performance exceeds the Cap Rate, you will receive the Cap Rate. For example, if the Index Change is 15% and your Cap Rate is 10%, you will receive an Index Credit Rate of 10% on the Term End Date. The Cap Rate will not change during a Term, but can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Rate below 4%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you select a Strategy Account Option with Cap Secure, Cap Secure limits your participation in positive Index performance each Contract Anniversary of a multi-year Term Strategy Account Option up to and including the Cap Secure Rate. The Cap Secure Rate will remain the same for the entire multi-year Term. If you select a Strategy Account Option with a Cap Secure, and Index performance exceeds the Cap Secure Rate in any year, only the Cap Secure Rate will apply for that year. The Index Credit Rate is applied at the Term End Date based upon the values measured on each Contract Anniversary (including the Term End Date). For example, if the annual Index Change is 15% and your Cap Secure Rate is 8%, your adjusted annual Index performance is 8% on that Contract Anniversary. The adjusted annual Index performance on each Contract Anniversary within the multi- year term would be compounded to establish the Index Credit Rate on the Term End Date. For example, if the adjusted annual Index performance is 5% on each Contract Anniversary for a six-year term, the Index Credit Rate on the Term End Date would be 34.01% ({(1+5%)^6}-1 = 34.01%). The Cap Secure Rate will not change during a Term, but can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Secure Rate below 5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you select a Strategy Account Option with Participation and Cap or Enhanced Participation and Cap, the Participation Rate augments your participation in positive Index performance on the Term End Date by a percentage equal to the Participation Rate, with the result subject to a maximum of the Cap Rate. If Index performance is positive on the Term End Date, the Participation Rate is multiplied by Index Change and then the Index Credit Rate is the lesser of that result or the Cap Rate. For example, with a 100% Participation Rate and 20% Cap Rate, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 100% by the Index Change of 10%, which equals 10%. Since 10% is less than the 20% Cap Rate, the Index Credit Rate is 10%. Therefore, you will receive an Index Credit Rate of 10%. Alternatively, with a 150% Participation Rate and Cap Rate of 12%, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 150% by the Index Change of 10%, which equals 15%. Since 15% exceeds the 12% Cap Rate, the Index Credit Rate is capped at 12%. Therefore, you will receive an Index Credit Rate of 12%. The Participation Rate and Cap Rate will not change during a Term, but can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Participation and Cap, we will not establish a Participation Rate below 100% or Cap Rate below 12%. For a Strategy Account Option with Enhanced Participation and Cap, we will not establish a Participation Rate below 101% or a Cap Rate below 24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you select a Strategy Account Option with a Trigger and the Index Change on the Term End Date is equal to or greater than zero, your Strategy Account Option Value increases up to the Trigger Rate. Due to the operation of the Trigger, you may not fully participate in positive Index performance. For example, if the Index Change is 2% and the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than zero. However, if the Index Change is 12% and the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than the Trigger Rate. The Trigger Rate will not change during a Term, but can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Trigger Rate below 5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed rates that may be established under the Contract for each type of limit on Index gains are: Cap Rate (no lower than 4%), Cap Secure Rate (no lower than 5%), Participation Rate (no lower than 100%), and a Trigger Rate (no lower than 5%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We determine the rates for the Upside Parameter for each new Term at our discretion, subject to the guaranteed minimums stated above. We consider a number of factors when declaring rates for the Upside Parameters. Generally, we seek to manage our risk associated with our obligations, in part, by trading call and put options and other derivative instruments on the available Indices. The costs of these instruments impact the rates we declare, and those costs can be impacted by market conditions and forces. We also consider sales commissions, administrative expenses, regulatory and tax requirements, general economic trends and competitive factors. You bear the risk that we may declare lower rates for future Terms, and that such rates could be as low as the guaranteed minimum rates for that Strategy Account Option. Rates offered for new Terms may be different from those offered to new investors or offered to you at Contract issuance. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Before selecting a Strategy Account Option for investment, you should consider in consultation with your financial professional the limits on Index gains that may be appropriate for you based on your risk tolerance, investment horizon and financial goals. Generally, assuming the same Index and Term length, a Strategy Account Option that provides less potential for Index gains will tend to have more protection from Index losses. Conversely, assuming the same Index and Term length, a Strategy Account Option that provides more potential for Index gains will generally tend to have less protection from Index losses.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Applying the Downside Parameter (Buffer): </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">When the Index Change is negative, the Buffer will limit the negative Index Credit to the Strategy Account Option at the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you elect a Strategy Account Option with Dual Direction with Cap, when the Index Change on the Term End Date is negative but within or equal to the Buffer Rate, your Contract gains value up to the absolute value of any negative Index performance. Your Contract will incur loss for negative Index performance beyond the Buffer Rate. For example, if the Index Change is –10% and your Buffer Rate is 10%, your Index Credit Rate would be 10%. Alternatively, if the Index Change is -13% and your Buffer Rate is 10%, your Index Credit Rate would be -3%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you elect a Strategy Account Option with Dual Direction Trigger with Cap, when the Index Change on the Term End Date is negative but does not exceed the Buffer Rate, your Contract gains value equal to the Trigger Rate. Your Contract will incur a loss only for negative Index performance that exceeds the Buffer Rate. For example, if the Index Change is –6%, your Buffer Rate is 10%, and your Trigger Rate is 24%, your Index Credit Rate would be 24% reflecting the Trigger Rate because the negative Index performance did not exceed the Buffer Rate. Alternatively, if the Index Change is –13%, your Buffer Rate is 10%, and your Trigger Rate is 24%, your Index Credit Rate would be –3% reflecting the portion of loss beyond the Buffer Rate. The Trigger Rate does not apply because the negative Index performance exceeded the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you elect a Strategy Account Option with Cap Secure, the Buffer is applied to the Index performance for each year of the multi-year Term. If the Index performance in multiple years is negative, losses in excess of the Buffer Rate for multiple years can compound and will impact the Index Credit on the Term End Date. For example, if the annual Index Change is -15% and your Buffer Rate is 10%, your adjusted annual Index performance is -5% on that Contract Anniversary. The adjusted annual Index performance on each Contract Anniversary within the multi- year term would be compounded to establish the Index Credit Rate on the Term End Date. For example, if the adjusted annual Index performance is -5% on each Contract Anniversary for a six-year term, the Index Credit Rate on the Term End Date would be -26.49% ({(1-5%)^6}-1 = -26.49%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For all Strategy Account Options other than those with Dual Direction with Cap, Dual Direction Trigger with Cap or Cap Secure, when the Index Change on the Term End Date is negative, your Contract will lose value only to the extent that the Strategy Account Option’s Buffer does not protect you from loss. The Buffer provided by a Strategy Account Option will depend on its Buffer Rate. We currently only offer Strategy Account Options with Buffers as the downside protection. Due to the operation of the Buffer, your Contract will incur loss for negative Index performance beyond the Buffer Rate. If the negative Index performance does not go beyond the Buffer Rate, you will not incur any loss because of that negative Index performance. For example, if the Index Change is negative 15% and your Buffer Rate is 10%, your Index Credit Rate would be negative 5%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">There is no guarantee that Strategy Account Options that limit Index losses will always be offered. We reserve the right to add, replace or remove Strategy Account Options offered and limit the number of Strategy Account Options to only one. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you, including one that does not limit losses, which would mean risk of loss of the entire amount invested. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed Buffer Rate that we offer under any Strategy Account Options is 10%. Buffer Rates for all Strategy Account Options will not change during a Term or from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We set the Buffer Rates for each Strategy Account Option at our sole discretion. We consider various factors in determining the Buffer Rates, including the cost of our risk management techniques, sales commissions, administrative expenses, regulatory and tax requirements, general economic trends and competitive factors. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Before selecting a Strategy Account Option for investment, you should consider in consultation with your financial professional the limits on Index losses that may be appropriate for you based on your risk tolerance, investment horizon and financial goals. Generally, assuming the same Index and Term length, a Strategy Account Option that provides more protection from Index losses will tend to have less potential for Index gains. Conversely, assuming the same Index and Term length, a Strategy Account Option that provides less protection from Index losses will generally tend have more potential for Index gains. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Each of these parameters are described in additional detail below. For more information about how gains and losses are calculated on the Term End Date, as well as about Interim Values and Performance Capture, including examples, </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">see “Valuing your Investment in a Strategy Account Option.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will always offer at least one Strategy Account Option that is either currently offered or is substantially similar to one that is currently offered as of the date of this prospectus. Please note the Index for that Strategy Account Option remains subject to our right of substitution. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing your Investment in a Strategy Account Option – Index Substitutions.”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> We may not offer any other Strategy Account Options for investment in the future. You may not be able to invest in a particular Strategy Account Option in the future, even if it was previously made available to you.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will credit positive, negative, or zero Index Credit, as applicable, at </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the Term End Date to amounts allocated to a Strategy Account Option based, in part, on the performance of the Index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">An investment in a Strategy Account Option is not an investment in the Index or any index fund.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You could lose a significant amount of money if the Index declines in value.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If amounts are removed from a Strategy Account Option before the Term End Date, you could lose a significant amount of money due to the Interim Value adjustment. The availability of Strategy Account Options may vary by the broker-dealer with which your financial representative is affiliated. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See "Appendix E: Broker-Dealer Variations."</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> You should ask your financial representative for details about the specific Strategy Account Options available under your Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We reserve the right to add, replace or remove Strategy Account Options offered, change the Indices, and limit the number of offered Strategy Account Options to only one. If only one Strategy Account Option is available, you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you. We may change the Strategy Account Options and the Upside Parameters rates subject to the stated guaranteed minimum rates. There is no guarantee that a particular Strategy Account Option or Index will be available during the entire time that you own your Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Information regarding the features of each currently offered Strategy Account Option, including (i) the Index name, (ii) the type of Index, (iii) the Term, (iv) the Index Crediting Method, (v) the Current Buffer Rate, (vi) the Guaranteed Minimum Limit on Upside Parameter Rates, and (vii) the Availability of Performance Capture, is available in Appendix A to the prospectus. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Appendix A: Investment Options Available Under the Contract.”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Applying Upside Parameters: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">When the Index Change is positive, your Strategy Account Option Value increases. The extent to which you participate in the positive Index performance depends on the Strategy Account Option’s Upside Parameter. The applicable Upside Parameter will limit the positive Index performance credited to the Strategy Account Option at the Term End Date. For each Strategy Account Option available for investment, the rates of the Upside Parameters that we are currently offering for new Terms are available at the following website address: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">www.corebridgefinancial.com/rila-rates-ny</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">. The rates of the Upside Parameters posted on that website address are incorporated by reference into the prospectus. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you select a Strategy Account Option with a Cap, and Index performance exceeds the Cap Rate, you will receive the Cap Rate. For example, if the Index Change is 15% and your Cap Rate is 10%, you will receive an Index Credit Rate of 10% on the Term End Date. The Cap Rate will not change during a Term, but can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Rate below 4%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you select a Strategy Account Option with Cap Secure, Cap Secure limits your participation in positive Index performance each Contract Anniversary of a multi-year Term Strategy Account Option up to and including the Cap Secure Rate. The Cap Secure Rate will remain the same for the entire multi-year Term. If you select a Strategy Account Option with a Cap Secure, and Index performance exceeds the Cap Secure Rate in any year, only the Cap Secure Rate will apply for that year. The Index Credit Rate is applied at the Term End Date based upon the values measured on each Contract Anniversary (including the Term End Date). For example, if the annual Index Change is 15% and your Cap Secure Rate is 8%, your adjusted annual Index performance is 8% on that Contract Anniversary. The adjusted annual Index performance on each Contract Anniversary within the multi- year term would be compounded to establish the Index Credit Rate on the Term End Date. For example, if the adjusted annual Index performance is 5% on each Contract Anniversary for a six-year term, the Index Credit Rate on the Term End Date would be 34.01% ({(1+5%)^6}-1 = 34.01%). The Cap Secure Rate will not change during a Term, but can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Cap Secure Rate below 5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you select a Strategy Account Option with Participation and Cap or Enhanced Participation and Cap, the Participation Rate augments your participation in positive Index performance on the Term End Date by a percentage equal to the Participation Rate, with the result subject to a maximum of the Cap Rate. If Index performance is positive on the Term End Date, the Participation Rate is multiplied by Index Change and then the Index Credit Rate is the lesser of that result or the Cap Rate. For example, with a 100% Participation Rate and 20% Cap Rate, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 100% by the Index Change of 10%, which equals 10%. Since 10% is less than the 20% Cap Rate, the Index Credit Rate is 10%. Therefore, you will receive an Index Credit Rate of 10%. Alternatively, with a 150% Participation Rate and Cap Rate of 12%, if the Index Change is 10% on the Term End Date, we first multiply the Participation Rate of 150% by the Index Change of 10%, which equals 15%. Since 15% exceeds the 12% Cap Rate, the Index Credit Rate is capped at 12%. Therefore, you will receive an Index Credit Rate of 12%. The Participation Rate and Cap Rate will not change during a Term, but can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">For a Strategy Account Option with Participation and Cap, we will not establish a Participation Rate below 100% or Cap Rate below 12%. For a Strategy Account Option with Enhanced Participation and Cap, we will not establish a Participation Rate below 101% or a Cap Rate below 24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you select a Strategy Account Option with a Trigger and the Index Change on the Term End Date is equal to or greater than zero, your Strategy Account Option Value increases up to the Trigger Rate. Due to the operation of the Trigger, you may not fully participate in positive Index performance. For example, if the Index Change is 2% and the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than zero. However, if the Index Change is 12% and the Trigger Rate is 5%, your Index Credit Rate would be 5% because the Index Change was greater than the Trigger Rate. The Trigger Rate will not change during a Term, but can change from one Term to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We will not establish a Trigger Rate below 5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed rates that may be established under the Contract for each type of limit on Index gains are: Cap Rate (no lower than 4%), Cap Secure Rate (no lower than 5%), Participation Rate (no lower than 100%), and a Trigger Rate (no lower than 5%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We determine the rates for the Upside Parameter for each new Term at our discretion, subject to the guaranteed minimums stated above. We consider a number of factors when declaring rates for the Upside Parameters. Generally, we seek to manage our risk associated with our obligations, in part, by trading call and put options and other derivative instruments on the available Indices. The costs of these instruments impact the rates we declare, and those costs can be impacted by market conditions and forces. We also consider sales commissions, administrative expenses, regulatory and tax requirements, general economic trends and competitive factors. You bear the risk that we may declare lower rates for future Terms, and that such rates could be as low as the guaranteed minimum rates for that Strategy Account Option. Rates offered for new Terms may be different from those offered to new investors or offered to you at Contract issuance. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Before selecting a Strategy Account Option for investment, you should consider in consultation with your financial professional the limits on Index gains that may be appropriate for you based on your risk tolerance, investment horizon and financial goals. Generally, assuming the same Index and Term length, a Strategy Account Option that provides less potential for Index gains will tend to have more protection from Index losses. Conversely, assuming the same Index and Term length, a Strategy Account Option that provides more potential for Index gains will generally tend to have less protection from Index losses.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">www.corebridgefinancial.com/rila-rates-ny</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Applying the Downside Parameter (Buffer): </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">When the Index Change is negative, the Buffer will limit the negative Index Credit to the Strategy Account Option at the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you elect a Strategy Account Option with Dual Direction with Cap, when the Index Change on the Term End Date is negative but within or equal to the Buffer Rate, your Contract gains value up to the absolute value of any negative Index performance. Your Contract will incur loss for negative Index performance beyond the Buffer Rate. For example, if the Index Change is –10% and your Buffer Rate is 10%, your Index Credit Rate would be 10%. Alternatively, if the Index Change is -13% and your Buffer Rate is 10%, your Index Credit Rate would be -3%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you elect a Strategy Account Option with Dual Direction Trigger with Cap, when the Index Change on the Term End Date is negative but does not exceed the Buffer Rate, your Contract gains value equal to the Trigger Rate. Your Contract will incur a loss only for negative Index performance that exceeds the Buffer Rate. For example, if the Index Change is –6%, your Buffer Rate is 10%, and your Trigger Rate is 24%, your Index Credit Rate would be 24% reflecting the Trigger Rate because the negative Index performance did not exceed the Buffer Rate. Alternatively, if the Index Change is –13%, your Buffer Rate is 10%, and your Trigger Rate is 24%, your Index Credit Rate would be –3% reflecting the portion of loss beyond the Buffer Rate. The Trigger Rate does not apply because the negative Index performance exceeded the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you elect a Strategy Account Option with Cap Secure, the Buffer is applied to the Index performance for each year of the multi-year Term. If the Index performance in multiple years is negative, losses in excess of the Buffer Rate for multiple years can compound and will impact the Index Credit on the Term End Date. For example, if the annual Index Change is -15% and your Buffer Rate is 10%, your adjusted annual Index performance is -5% on that Contract Anniversary. The adjusted annual Index performance on each Contract Anniversary within the multi- year term would be compounded to establish the Index Credit Rate on the Term End Date. For example, if the adjusted annual Index performance is -5% on each Contract Anniversary for a six-year term, the Index Credit Rate on the Term End Date would be -26.49% ({(1-5%)^6}-1 = -26.49%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For all Strategy Account Options other than those with Dual Direction with Cap, Dual Direction Trigger with Cap or Cap Secure, when the Index Change on the Term End Date is negative, your Contract will lose value only to the extent that the Strategy Account Option’s Buffer does not protect you from loss. The Buffer provided by a Strategy Account Option will depend on its Buffer Rate. We currently only offer Strategy Account Options with Buffers as the downside protection. Due to the operation of the Buffer, your Contract will incur loss for negative Index performance beyond the Buffer Rate. If the negative Index performance does not go beyond the Buffer Rate, you will not incur any loss because of that negative Index performance. For example, if the Index Change is negative 15% and your Buffer Rate is 10%, your Index Credit Rate would be negative 5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Upside Parameter: Calculating Gain for a Strategy Account Option with Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option with Cap, if the Index Change is positive or zero, we use the Cap Rate to calculate your gain, if any. We calculate your Index Credit Rate using the Cap as follows: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and less than or equal to the Cap Rate, your Index Credit Rate will equal the Index Change. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and exceeds the Cap Rate, your Index Credit Rate will equal the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is zero, your Index Credit Rate will equal zero. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is negative, your Index Credit Rate will be offset by the Buffer. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">You will not participate in any Index performance beyond the Cap Rate. The Cap Rate limits the upside potential of your investment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For each Strategy Account Option with Cap, we may declare a new Cap Rate for new Terms, subject to the applicable guaranteed minimum Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes two examples of how we calculate the Index Credit Rate on the Term End Date using a Cap. Both examples assume a Cap Rate of 5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Cap Rate of 5%) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Cap" src="g73164img0a0d62091.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is +2%, which does not exceed the Cap Rate, so your Index Credit Rate would be +2%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is +12%, which exceeds the Cap Rate, so your Index Credit Rate would be equal to the Cap Rate of +5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is +2%, which does not exceed the Cap Rate, so your Index Credit Rate would be +2%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is +12%, which exceeds the Cap Rate, so your Index Credit Rate would be equal to the Cap Rate of +5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Upside Parameter: Calculating Gain for a Strategy Account Option with Trigger </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option with Trigger, if the Index Change is greater than or equal to zero, we use the Trigger Rate to calculate your gain. We calculate your Index Credit Rate using the Trigger as follows: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and less than or equal to the Trigger Rate, your Index Credit Rate will equal the Trigger Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and exceeds the Trigger Rate, your Index Credit Rate will equal the Trigger Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is zero, your Index Credit Rate will equal the Trigger Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is negative, your Index Credit Rate will be offset by the Buffer. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">You will not participate in any Index performance beyond the Trigger Rate. The Trigger Rate limits the upside potential of your investment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For each Strategy Account Option with Trigger, we may declare a new Trigger Rate for new Terms, subject to the applicable guaranteed minimum Trigger Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes two examples of how we calculate the Index Credit Rate on the Term End Date using a Trigger. Both examples assume a Trigger Rate of 5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Trigger</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Trigger Rate of 5%) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Trigger" src="g73164img4712f4c22.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is +2%, which is less than or equal to the Trigger Rate, so your Index Credit Rate would be equal to the Trigger Rate of +5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is +12%, which exceeds the Trigger Rate, so your Index Credit Rate would be equal to the Trigger Rate of +5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is +2%, which is less than or equal to the Trigger Rate, so your Index Credit Rate would be equal to the Trigger Rate of +5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is +12%, which exceeds the Trigger Rate, so your Index Credit Rate would be equal to the Trigger Rate of +5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">3.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Upside Parameter: Calculating Gain for a Strategy Account Option with Dual Direction with Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option with Dual Direction with Cap, if the Index Change is positive, zero, or negative up to the Buffer Rate, we use the Cap Rate or the absolute value of the Index Change to calculate your gain, if any. The absolute value of a number is simply that number without regard to it being positive or negative. For example, the absolute value of –10% is 10. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is between the Cap Rate, and the Buffer Rate (or equal to either), your Index Credit will equal the absolute value of the Index Change. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and exceeds the Cap Rate, your Index Credit Rate will equal the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is zero, your Index Credit Rate will equal zero. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">You will not participate in any Index performance beyond the Cap Rate when the Index Change is positive. The Cap Rate limits the upside potential of your investment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For each Strategy Account Option with Cap, we may declare a new Cap Rate for new Terms, subject to the applicable guaranteed minimum Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes four examples of how we calculate the Index Credit Rate on the Term End Date using a Dual Direction with Cap. All examples assume a Cap Rate of 5% and a Buffer Rate of 10%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Dual Direction Buffer with Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Cap Rate of 5% and a Buffer Rate of 10%) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Dual Direction with Cap" src="g73164imgc973767a3.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is +2%, which does not exceed the Cap Rate, so your Index Credit Rate would be +2%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is +12%, which exceeds the Cap Rate, so your Index Credit Rate would be equal to the Cap Rate of +5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is -7%, and within or equal to the Buffer Rate, so your Index Credit Rate would be the absolute value of the negative Index Change, not limited by the Cap Rate, up to the Buffer Rate. Your Index Credit Rate would be +7%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the fourth example, the Index Change is -12%, which exceeds the Buffer Rate, so the Buffer would only partially protect you from loss related to the negative Index performance. Your Index Credit Rate would be -2%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is +2%, which does not exceed the Cap Rate, so your Index Credit Rate would be +2%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is +12%, which exceeds the Cap Rate, so your Index Credit Rate would be equal to the Cap Rate of +5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is -7%, and within or equal to the Buffer Rate, so your Index Credit Rate would be the absolute value of the negative Index Change, not limited by the Cap Rate, up to the Buffer Rate. Your Index Credit Rate would be +7%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the fourth example, the Index Change is -12%, which exceeds the Buffer Rate, so the Buffer would only partially protect you from loss related to the negative Index performance. Your Index Credit Rate would be -2%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">4.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Upside Parameter: Calculating Gain for a Strategy Account Option with Dual Direction Trigger with Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option with Dual Direction Trigger with Cap, we calculate your Index Credit Rate as follows: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and less than or equal to the absolute value of the Buffer Rate, your Index Credit Rate will equal the Trigger Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and exceeds the absolute value of the Buffer Rate, your Index Credit Rate will equal the positive Index Change up to the Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is negative and does not exceed the Buffer Rate, your Index Credit Rate will equal the Trigger Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">You will not participate in any Index performance above the Trigger Rate or the Cap Rate, as applicable. The Trigger Rate and the Cap Rate limit the upside potential of your investment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For each Strategy Account Option with Dual Direction Trigger with Cap, we may declare a new Trigger Rate and Cap Rate for new Terms, subject to the applicable guaranteed minimum Trigger Rate and Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes three examples of how we calculate the Index Credit Rate on the Term End Date of a six year Term using a Dual Direction Trigger with Cap. All three examples assume a Cap Rate of 210%, a Buffer Rate of 20%, and a Trigger Rate of 24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Buffer Dual Direction Trigger with Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Cap Rate of 210%, Buffer Rate of 20%, and a Trigger Rate of 24%) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Dual Direction Trigger with Cap" src="g73164img285aa5a94.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is +100%, which exceeds the absolute value of the Buffer Rate, so your Index Credit Rate would be equal to the positive Index Change of 100%. Since the Index Change exceeds the absolute value of the Buffer Rate, the Trigger Rate does not apply. Since the Index Change is less than the Cap Rate, the Cap Rate does not apply, and Index Credit Rate is equal to the Index Change. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is +250%, which exceeds the absolute value of the Buffer Rate and the Cap Rate, so your Index Credit Rate would be equal to the Cap Rate of 210%. Since the Index Change exceeds the absolute value of the Buffer Rate, the Trigger Rate does not apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is –10%, which does not exceed the Buffer Rate, so your Index Credit Rate would be equal to the Trigger Rate of +24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the fourth example, the Index Change is +20%, which does not exceed the absolute value of the Buffer Rate, so your Index Credit Rate would be equal to the Trigger Rate of +24%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is +100%, which exceeds the absolute value of the Buffer Rate, so your Index Credit Rate would be equal to the positive Index Change of 100%. Since the Index Change exceeds the absolute value of the Buffer Rate, the Trigger Rate does not apply. Since the Index Change is less than the Cap Rate, the Cap Rate does not apply, and Index Credit Rate is equal to the Index Change. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is +250%, which exceeds the absolute value of the Buffer Rate and the Cap Rate, so your Index Credit Rate would be equal to the Cap Rate of 210%. Since the Index Change exceeds the absolute value of the Buffer Rate, the Trigger Rate does not apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is –10%, which does not exceed the Buffer Rate, so your Index Credit Rate would be equal to the Trigger Rate of +24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the fourth example, the Index Change is +20%, which does not exceed the absolute value of the Buffer Rate, so your Index Credit Rate would be equal to the Trigger Rate of +24%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">5.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Upside Parameter: Calculating Gain for a Strategy Account Option with Participation and Cap and a Strategy Account Option with Enhanced Participation and Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option with Participation and Cap and a Strategy Account Option with Enhanced Participation and Cap, if the Index Change on the Term End Date is positive, the value of your investment will increase. If the Index Change is zero, the value of your investment will neither increase nor decrease. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We calculate your Index Credit Rate by multiplying the Index Change by the Participation Rate and then applying the Cap. You participate in a percentage of the positive Index performance subject to a Cap, which may limit the upside potential of your investment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A Participation Rate equal to 100% means that you will fully participate in positive Index performance subject to a Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will never declare a Participation Rate less than 100%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A Participation Rate greater than 100% would have the effect of increasing your gains relative to the Index Change subject to a Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is zero, your Index Credit Rate will equal zero. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is negative, your Index Credit Rate will be offset by the Buffer. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For each Strategy Account Option with Participation and Cap and for each Strategy Account Option with Enhanced Participation and Cap, we may declare a new Participation Rate and/or Cap Rate for new Terms, subject to the applicable guaranteed minimum Participation Rate and Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes two examples of how we calculate the Index Credit Rate on the Term End Date of a six year Term using Participation and Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Participation and Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Cap Rate of 200% and Participation Rates as listed) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Participation and Cap" src="g73164imgcff8c0af5.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is 100%, the Participation Rate is 150% and the Cap Rate is 200%, so your Index Credit Rate would be +150%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (100%) x Participation Rate (150%) = 150% and (ii) then applying the Cap Rate. Since 150% does not exceed the Cap Rate (200%), your Index Credit Rate would be 150%. Here, the Participation Rate had the effect of increasing your gains relative to the Index Change. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is 250%, the Participation Rate is 150% and the Cap Rate is 200%, so your Index Credit Rate would be +200%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (250%) x Participation Rate (150%) = 375% and (ii) then applying the Cap Rate. Since 375% exceeds the Cap Rate (200%), your Index Credit Rate would be 200%. Here, the Cap Rate had the effect of decreasing your gains relative to the Index Change.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Cap Rate for a Strategy Account Option with Enhanced Participation and Cap may be lower than the Cap Rate for a Strategy Account Option with Participation and Cap. In such cases, the maximum Index Credit Rate you can earn under a Strategy Account Option with Enhanced Participation and Cap may be limited, even if its Participation Rate is higher. Because the Cap Rate limits participation in positive Index performance, a higher Participation Rate may not result in a higher Index Credit Rate applied at the Term End Date. As a result, you may receive a lower Index Credit Rate on a Strategy Account Option with Enhanced Participation and Cap than you would on a Strategy Account Option with Participation and Cap. The illustration below includes two examples of how we calculate the Index Credit Rate on the Term End Date of a six year Term using Enhanced Participation and Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Enhanced Participation and Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Cap Rate of 100% and Participation Rates as listed) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Enhanced Participation and Cap" src="g73164img5fc40e366.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is 150%, the Participation Rate is 200% and the Cap Rate is 100%, so your Index Credit Rate would be +100%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (150%) x Participation Rate (200%) = 300% and then (ii) applying the Cap Rate. Since 300% exceeds the Cap Rate (100%), your Index Credit Rate would be 100%. Here, the Cap Rate had the effect of decreasing your gains relative to the Index Change and although the Participation Rate was higher than that of the example above for a Strategy Account Option with Participation and Rate (Participation Rate of 200% vs. Participation Rate of 150%), your Index Credit Rate was lower because the Cap Rate was lower (Cap Rate of 100% vs. Cap Rate of 200%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is 30%, the Participation Rate is 250% and the Cap Rate is 100%, so your Index Credit Rate would be +75%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (30%) x Participation Rate (250%) = 75% and (ii) then applying the Cap Rate. Since 75% does not exceed the Cap Rate (100%), your Index Credit Rate would be 75%. Here, the Participation Rate had the effect of increasing your gains relative to the Index Change.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">5.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:11.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Upside Parameter: Calculating Gain for a Strategy Account Option with Participation and Cap and a Strategy Account Option with Enhanced Participation and Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option with Participation and Cap and a Strategy Account Option with Enhanced Participation and Cap, if the Index Change on the Term End Date is positive, the value of your investment will increase. If the Index Change is zero, the value of your investment will neither increase nor decrease. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We calculate your Index Credit Rate by multiplying the Index Change by the Participation Rate and then applying the Cap. You participate in a percentage of the positive Index performance subject to a Cap, which may limit the upside potential of your investment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A Participation Rate equal to 100% means that you will fully participate in positive Index performance subject to a Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will never declare a Participation Rate less than 100%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A Participation Rate greater than 100% would have the effect of increasing your gains relative to the Index Change subject to a Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is zero, your Index Credit Rate will equal zero. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is negative, your Index Credit Rate will be offset by the Buffer. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For each Strategy Account Option with Participation and Cap and for each Strategy Account Option with Enhanced Participation and Cap, we may declare a new Participation Rate and/or Cap Rate for new Terms, subject to the applicable guaranteed minimum Participation Rate and Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes two examples of how we calculate the Index Credit Rate on the Term End Date of a six year Term using Participation and Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Participation and Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Cap Rate of 200% and Participation Rates as listed) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Participation and Cap" src="g73164imgcff8c0af5.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is 100%, the Participation Rate is 150% and the Cap Rate is 200%, so your Index Credit Rate would be +150%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (100%) x Participation Rate (150%) = 150% and (ii) then applying the Cap Rate. Since 150% does not exceed the Cap Rate (200%), your Index Credit Rate would be 150%. Here, the Participation Rate had the effect of increasing your gains relative to the Index Change. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is 250%, the Participation Rate is 150% and the Cap Rate is 200%, so your Index Credit Rate would be +200%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (250%) x Participation Rate (150%) = 375% and (ii) then applying the Cap Rate. Since 375% exceeds the Cap Rate (200%), your Index Credit Rate would be 200%. Here, the Cap Rate had the effect of decreasing your gains relative to the Index Change.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Cap Rate for a Strategy Account Option with Enhanced Participation and Cap may be lower than the Cap Rate for a Strategy Account Option with Participation and Cap. In such cases, the maximum Index Credit Rate you can earn under a Strategy Account Option with Enhanced Participation and Cap may be limited, even if its Participation Rate is higher. Because the Cap Rate limits participation in positive Index performance, a higher Participation Rate may not result in a higher Index Credit Rate applied at the Term End Date. As a result, you may receive a lower Index Credit Rate on a Strategy Account Option with Enhanced Participation and Cap than you would on a Strategy Account Option with Participation and Cap. The illustration below includes two examples of how we calculate the Index Credit Rate on the Term End Date of a six year Term using Enhanced Participation and Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Enhanced Participation and Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Cap Rate of 100% and Participation Rates as listed) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Enhanced Participation and Cap" src="g73164img5fc40e366.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is 150%, the Participation Rate is 200% and the Cap Rate is 100%, so your Index Credit Rate would be +100%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (150%) x Participation Rate (200%) = 300% and then (ii) applying the Cap Rate. Since 300% exceeds the Cap Rate (100%), your Index Credit Rate would be 100%. Here, the Cap Rate had the effect of decreasing your gains relative to the Index Change and although the Participation Rate was higher than that of the example above for a Strategy Account Option with Participation and Rate (Participation Rate of 200% vs. Participation Rate of 150%), your Index Credit Rate was lower because the Cap Rate was lower (Cap Rate of 100% vs. Cap Rate of 200%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is 30%, the Participation Rate is 250% and the Cap Rate is 100%, so your Index Credit Rate would be +75%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (30%) x Participation Rate (250%) = 75% and (ii) then applying the Cap Rate. Since 75% does not exceed the Cap Rate (100%), your Index Credit Rate would be 75%. Here, the Participation Rate had the effect of increasing your gains relative to the Index Change.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is 100%, the Participation Rate is 150% and the Cap Rate is 200%, so your Index Credit Rate would be +150%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (100%) x Participation Rate (150%) = 150% and (ii) then applying the Cap Rate. Since 150% does not exceed the Cap Rate (200%), your Index Credit Rate would be 150%. Here, the Participation Rate had the effect of increasing your gains relative to the Index Change. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is 250%, the Participation Rate is 150% and the Cap Rate is 200%, so your Index Credit Rate would be +200%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (250%) x Participation Rate (150%) = 375% and (ii) then applying the Cap Rate. Since 375% exceeds the Cap Rate (200%), your Index Credit Rate would be 200%. Here, the Cap Rate had the effect of decreasing your gains relative to the Index Change.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is 150%, the Participation Rate is 200% and the Cap Rate is 100%, so your Index Credit Rate would be +100%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (150%) x Participation Rate (200%) = 300% and then (ii) applying the Cap Rate. Since 300% exceeds the Cap Rate (100%), your Index Credit Rate would be 100%. Here, the Cap Rate had the effect of decreasing your gains relative to the Index Change and although the Participation Rate was higher than that of the example above for a Strategy Account Option with Participation and Rate (Participation Rate of 200% vs. Participation Rate of 150%), your Index Credit Rate was lower because the Cap Rate was lower (Cap Rate of 100% vs. Cap Rate of 200%). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is 30%, the Participation Rate is 250% and the Cap Rate is 100%, so your Index Credit Rate would be +75%. We calculate your Index Credit Rate by (i) first, multiplying the Index Change (30%) x Participation Rate (250%) = 75% and (ii) then applying the Cap Rate. Since 75% does not exceed the Cap Rate (100%), your Index Credit Rate would be 75%. Here, the Participation Rate had the effect of increasing your gains relative to the Index Change.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">6.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Upside Parameter: Calculating Gain for a Strategy Account Option with Cap Secure </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Cap Secure Rate is guaranteed for the entire multi-year Term. We calculate your Index Credit Rate on the Term End Date by compounding the annual Index performance during the Term as follows: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and less than or equal to the Cap Secure Rate on a Contract Anniversary, your Index performance for the Contract Year will equal the Index Change, then further adjusted based on a compounded calculation of the performance to date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is positive and exceeds the Cap Secure Rate on a Contract Anniversary, your Index performance for that Contract Year will equal the Cap Secure Rate, then further adjusted based on a compounded calculation of the performance to date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is zero on a Contract Anniversary, your Index performance for that Contract Year will equal zero, then further adjusted based on a compounded calculation of the performance to date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is negative on a Contract Anniversary, your Index performance for that Contract Year will be offset by the Buffer, then further adjusted based on a compound calculation of the performance to date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">You will not participate in any annual Index performance beyond the Cap Secure Rate. The Cap Secure Rate limits the upside potential of your investment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For each Strategy Account Option with Cap Secure, we may declare a new Cap Secure Rate for new Terms, subject to the applicable guaranteed minimum Cap Secure Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The example below illustrates how we calculate the Index Credit Rate on the Term End Date using Cap Secure. The example assumes a Cap Secure Rate of 5% and a Buffer Rate of 10%.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:22.5pt;"> <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:131.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Contract Anniversary</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">1</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">2</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">3</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">4</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">5</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">6</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:84.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Term End Date </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Calculation</span></div></div></td></tr> <tr style="height:14.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Annual Index Performance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">-8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">-18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Annual Index Performance </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">(adjusted for Cap Secure and </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">-8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Compounding Calculation of </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Annual Index Performance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">105%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 100% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">105.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 92% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">96.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 105% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">101.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 101% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">102.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 103% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">105.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">= 105.5176%</span></div></div></td></tr> <tr style="height:14.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Compounded Return</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">-3.40%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">2.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td></tr> <tr style="height:14.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Index Credit Rate</span></div></div></td> <td colspan="6" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:324pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5.5176%</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Index Credit Assuming $10,000 </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Base at Term End </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Date</span></div></div></td> <td colspan="6" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:324pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$10,000</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 5.5176% =</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$551.76</span></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Account Option Value</span></div></div></td> <td colspan="6" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:324pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Interim Values apply up to Term End Date</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$10,551.76</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Note: This is a 6-year Term and the Index Credit Rate is not calculated until the Term End Date. Until that time, the Interim Value calculation applies. The annual Index performance calculated on each Contract Anniversary within a multi-year Term is used to calculate the Index Credit Rate on the Term End Date.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The example below illustrates how we calculate the Index Credit Rate on the Term End Date using Cap Secure. The example assumes a Cap Secure Rate of 5% and a Buffer Rate of 10%.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:22.5pt;"> <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:131.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Contract Anniversary</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">1</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">2</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">3</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">4</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">5</span></div></div></td> <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:54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">6</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:84.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Term End Date </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Calculation</span></div></div></td></tr> <tr style="height:14.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Annual Index Performance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">-8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">-18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Annual Index Performance </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">(adjusted for Cap Secure and </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">-8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Compounding Calculation of </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Annual Index Performance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">105%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 100% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">105.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 92% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">96.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 105% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">101.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 101% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">102.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 103% =</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">105.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">= 105.5176%</span></div></div></td></tr> <tr style="height:14.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Compounded Return</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">-3.40%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">2.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:54pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td></tr> <tr style="height:14.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Index Credit Rate</span></div></div></td> <td colspan="6" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:324pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5.5176%</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Index Credit Assuming $10,000 </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Base at Term End </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Date</span></div></div></td> <td colspan="6" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:324pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$10,000</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">x 5.5176% =</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$551.76</span></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:131.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Strategy Account Option Value</span></div></div></td> <td colspan="6" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:324pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Interim Values apply up to Term End Date</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$10,551.76</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Note: This is a 6-year Term and the Index Credit Rate is not calculated until the Term End Date. Until that time, the Interim Value calculation applies. The annual Index performance calculated on each Contract Anniversary within a multi-year Term is used to calculate the Index Credit Rate on the Term End Date.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">7.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:11.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Downside Parameter: Calculating Loss Using the Buffer for all Strategy Account Options except Dual Direction with Cap and Dual Direction Trigger with Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option other than those with Cap Secure, if the Index Change is negative, we use the Buffer to calculate your loss, if any. The Buffer Rate represents the percentage of your investment that is protected from loss. For instance, assuming a Buffer Rate of 10%, in extreme circumstances it is possible that you could lose 90% of your investment as a result of negative Index performance. A Buffer provides downside protection against negative Index performance up to the Buffer Rate. If the Index Change on the Term End Date is negative, the value of your investment will decrease if the Index Change exceeds the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For a Strategy Account Option with Cap Secure Upside Parameter, if the Index Change is negative on a Contract Anniversary, we use the Buffer to calculate your loss for that year, if any. The Buffer Rate represents the percentage of your investment that is protected from negative Index performance in each Contract Year. We calculate your Index Credit Rate on the Term End Date by compounding the annual Index performance during the Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Losses can accumulate so that you could lose a percentage in excess of the Buffer Rate in multiple years of the Term. For example, if the Index Change each Contract Anniversary during a six-year Term is -45%, then each year Contract Anniversary the annual Index performance would be -35% assuming a 10% Buffer Rate, but at the end of the six-year Term the Index Credit Rate would be -92.46%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We calculate your Index Credit Rate using the Buffer as follows: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the negative Index Change is less than the Buffer Rate, your Index Credit Rate will equal 0%. Under these circumstances, the Buffer would provide complete protection from loss related to the negative Index performance. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the negative Index Change exceeds the Buffer Rate, your Index Credit Rate will be a percentage equal to the excess negative Index Change over the Buffer Rate. Under these circumstances, the Buffer would provide only partial protection from loss related to the negative Index performance. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The Buffer provides limited downside protection. You assume the risk of loss for negative Index performance in excess of the Buffer Rate. Your losses could be significant. The Buffer is applied to the performance on the Term End Date (or on each Contract Anniversary for Strategy Account Options with Cap Secure). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes three examples of how the Buffer applies when the Index Change is negative. Each example assumes a Buffer Rate of 10%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Buffer</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Buffer Rate of 10%) </span> <img alt="Downside Parameter: Calculating Loss Using the Buffer for all Strategy Account Options except Dual Direction with Cap" src="g73164imgd699c4207.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is -1%, which does not go beyond the Buffer Rate, so the Buffer would completely protect you from loss related to the negative Index performance. Your Index Credit Rate would be 0%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is -10%, which is equal to the Buffer Rate, so the Buffer would protect you from loss related to the negative Index performance. Your Index Credit Rate would be 0%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is -13%, which exceeds the Buffer Rate, so the Buffer would only partially protect you from loss related to the negative Index performance. Your Index Credit Rate would be -3%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is -1%, which does not go beyond the Buffer Rate, so the Buffer would completely protect you from loss related to the negative Index performance. Your Index Credit Rate would be 0%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is -10%, which is equal to the Buffer Rate, so the Buffer would protect you from loss related to the negative Index performance. Your Index Credit Rate would be 0%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is -13%, which exceeds the Buffer Rate, so the Buffer would only partially protect you from loss related to the negative Index performance. Your Index Credit Rate would be -3%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">8.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Downside Parameter: Calculating Loss Using the Buffer for Dual Direction with Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option with Dual Direction with Cap, if the Index Change is negative but less than or equal to the Buffer Rate, then the Index Credit Rate will equal the absolute value of the negative Index Change. If the negative Index performance exceeds the Buffer Rate, your negative Index performance will equal the negative Index performance in excess of the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For negative performance within the Buffer Rate, Dual Direction with Cap provides downside protection against the negative Index performance up to the Buffer Rate, and credits you with the absolute value of the negative Index performance. For instance, assuming a Buffer Rate of 10%, Index performance of -5% would mean your Index Credit Rate will equal a positive 5%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change on the Term End Date exceeds the Buffer Rate, Index performance will equal only the negative performance in excess of the Buffer Rate. To continue with our example, we will presume a Buffer Rate of 10%. This time, assume the Index performance is -12%. Your Index Credit Rate in this instance would be -2%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We calculate your Index Credit Rate using the Buffer as follows: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is negative and up to and including the Buffer Rate, then the Index Credit will be the absolute value of the negative Index Change, not limited by the Cap Rate, up to and including the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Index Change is negative and exceeds the Buffer Rate, your negative Index performance will equal the negative Index performance in excess of the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The Buffer provides limited downside protection. You assume the risk of loss for negative Index performance in excess of the Buffer Rate. Your losses could be significant. The Buffer is measured over the Term, which can be more than one year. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes three examples of how the Dual Direction with Cap applies when the Index Change is negative. Each example assumes a Buffer Rate of 10% and a Cap Rate of 8%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Dual Direction with Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Buffer Rate of 10%) </span> <img alt="Upside Parameter: Calculating Gain for a Strategy Account Option with Dual Direction with Cap" src="g73164img7e255ac08.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is -2%, which does not go beyond the Buffer Rate. The Dual Direction with Cap would provide a positive Index Credit Rate. Your Index Credit Rate would be +2%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is -10%, which is equal to the Buffer Rate and does not go beyond the Buffer Rate. The Dual Direction with Cap would provide a positive Index Credit Rate. Your Index Credit Rate would be 10% because the negative performance is within the Buffer Rate and is not limited by the 8% Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is -13%, which exceeds the Buffer Rate, so the Buffer would only partially protect you from loss related to the negative Index performance. Your Index Credit Rate would be -3%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is -2%, which does not go beyond the Buffer Rate. The Dual Direction with Cap would provide a positive Index Credit Rate. Your Index Credit Rate would be +2%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is -10%, which is equal to the Buffer Rate and does not go beyond the Buffer Rate. The Dual Direction with Cap would provide a positive Index Credit Rate. Your Index Credit Rate would be 10% because the negative performance is within the Buffer Rate and is not limited by the 8% Cap Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is -13%, which exceeds the Buffer Rate, so the Buffer would only partially protect you from loss related to the negative Index performance. Your Index Credit Rate would be -3%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">9.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Downside Parameter: Calculating Loss Using the Buffer for Dual Direction Trigger with Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date for a Strategy Account Option with Dual Direction Trigger with Cap, if the Index Change is negative and does not exceed the Buffer Rate, then the Index Credit Rate would equal the Trigger Rate. If the negative Index performance exceeds the Buffer Rate, your negative Index performance will equal the negative Index performance in excess of the Buffer Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The Buffer provides limited downside protection. You assume the risk of loss for negative Index performance in excess of the Buffer Rate. Your losses could be significant. The Buffer is measured over the Term, which can be more than one year. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The illustration below includes three examples of how the Dual Direction Trigger with Cap applies when the Index Change is negative. Each example includes a Cap Rate of 100%, a Buffer Rate of 20%, and a Trigger Rate of 24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Hypothetical Examples of the Buffer Dual Direction Trigger with Cap</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">(Assuming a Cap Rate of 100%, Buffer Rate of 20%, and a Trigger Rate of 24%) </span> <img alt="Downside Parameter: Calculating Loss Using the Buffer for Dual Direction Trigger with Cap" src="g73164img309001c49.jpg" style="height:247pt;margin-left:21.39%;width:309pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-115.5pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is –10%, which does not exceed the Buffer Rate, so your Index Credit Rate would be equal to the Trigger Rate of +24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is –20%, which is equal to the Buffer Rate and does not go beyond the Buffer Rate, so your Index Credit Rate would be equal to the Trigger Rate of +24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is –25%, which exceeds the Buffer Rate so the Buffer Rate would only partially protect you from loss related to the negative Index performance. Your Index Credit Rate would be –5%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the first example, the Index Change is –10%, which does not exceed the Buffer Rate, so your Index Credit Rate would be equal to the Trigger Rate of +24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the second example, the Index Change is –20%, which is equal to the Buffer Rate and does not go beyond the Buffer Rate, so your Index Credit Rate would be equal to the Trigger Rate of +24%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In the third example, the Index Change is –25%, which exceeds the Buffer Rate so the Buffer Rate would only partially protect you from loss related to the negative Index performance. Your Index Credit Rate would be –5%.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Valuing Your Investment in a Strategy Account Option</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:2pt;font-weight:bold;line-height:1.8600pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Strategy Account Option Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The value of your investment in a Strategy Account Option on any day during the Term is your Strategy Account Option Value. On the Term Start Date, the Strategy Account Option Value equals the Strategy Base. On the Term End Date, Your Strategy Account Option Value is calculated using the following formula: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Strategy Account Option Value = Strategy Base x (1 + Index Credit Rate) </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Index Credit Rate. The Index Credit Rate represents the percentage gain or loss that we apply to your Strategy Account Option on the Term End Date or a Performance Capture Date, depending on the Strategy Account Option you are invested in. Your gain or loss can also be expressed as a dollar amount, which we refer to as the Index Credit. The Index Credit Rate and the Index Credit may be positive, negative, or zero. For all Strategy Account Options, the Index Credit equals the Index Credit Rate multiplied by the Strategy Base at the end of the day prior to application of the Index Credit Rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Strategy Base. Your Strategy Base generally represents your remaining investment in the Strategy Account Option (after a Withdrawal or charge deducted from the Strategy Account Option). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following is an example of how we calculate your Strategy Account Option Value on the Term End Date: Assume you invest $10,000 in a Strategy Account Option. On the Term Start Date, your Strategy Base is $10,000. On the Term End Date, your Strategy Base is still $10,000 if there were no deductions for charges or Withdrawals before the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term End Date, we will apply the Index Credit Rate to your Strategy Base to calculate your Strategy Account Option Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assuming an Index Credit Rate of +10%, your Strategy Account Option Value would equal $11,000 (i.e., $10,000 x (1 + 10%) = $11,000). The Index Credit is +$1,000. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assuming an Index Credit Rate of -10%, your Strategy Account Option Value would equal $9,000 (i.e., $10,000 x (1 + -10%) = $9,000). The Index Credit is -$1,000. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Any charges deducted on the Term End Date will be deducted on a dollar-for-dollar basis from your Strategy Account Option Value after the Index Credit is applied. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Charges and Adjustments.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On any day between the Term Start Date and the Term End Date, your Strategy Account Option Value is equal to the Interim Value for the Strategy Account Option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Interim Values.”</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Negative Adjustments to Strategy Base </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Term Start Date, your Strategy Base equals the dollar amount that you allocated to that Strategy Account Option. Your Strategy Base for that Strategy Account Option will not change unless a charge is deducted from that Strategy Account Option, or if you take any type of Withdrawal from that Strategy Account Option before the Term End Date, in which case your Strategy Base will be subject to a Negative Adjustment at that time. The Negative Adjustment is a proportionate </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">reduction to your Strategy Base. It is derived by reducing your Strategy Base by the same percentage as the percentage reduction to your Interim Value due to the amount of the Withdrawal or the charge deducted (which is deducted from the Interim Value on a dollar-for-dollar basis). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">A Negative Adjustment to your Strategy Base could result in less gain (if any) on the Term End Date, perhaps significantly less gain, because the Index Credit Rate will be applied to a lower Strategy Base. All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End Date will reduce the Contract Value Death Benefit, if applicable, on a dollar-for-dollar basis and will trigger a Negative Adjustment to your Strategy Base. A Negative Adjustment to your Strategy Base may be greater than or less than the amount withdrawn or the charge deducted. There is no way to increase your Strategy Base during a Term, and therefore no way to reverse or offset the impact of a Negative Adjustment to your Strategy Base. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For example, assume that your Strategy Base on the Term Start Date for a Strategy Account Option is $10,000. Further, assume on a given day before the Term End Date that there is a deduction as a result of Withdrawals from that Strategy Account Option, on which day your Interim Value is $9,500 (before any deductions for Withdrawals) and a total of $475 in Withdrawals is deducted from that Strategy Account Option on that date. The $475 deduction would reduce your Interim Value to $9,025, representing a 5% reduction in your Interim Value (i.e., $475 / $9,500 = 5%). As such, your Strategy Base would likewise be reduced by 5% from $10,000 to $9,500 (i.e., ($10,000 x (1 + -5%) = $9,500), a Negative Adjustment to the Strategy Base of $500. Please note that in this example, the Negative Adjustment to the Strategy Base ($500) was greater than the reduction in the Interim Value (-$475). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Continuing this example to the Term End Date, assume that there are no other deductions as a result of charges or Withdrawals from that Strategy Account Option before the Term End Date: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assuming an Index Credit Rate of +10%, your Strategy Account Option Value would equal $10,450 (i.e., $9,500 x (1 + 10%) = $10,450). The Index Credit is +$950. In comparison, had your original Strategy Base of $10,000 not been subject to the Negative Adjustment earlier in this example, the Strategy Account Option Value would have equaled $11,000 (i.e., $10,000 x (1 + 10%) = $11,000), and the Index Credit would have been +$1,000. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assuming an Index Credit Rate of -10%, your Strategy Account Option Value would equal $8,550 (i.e., $9,500 x (1 + -10%) = $8,550). The Index Credit is -$950. In comparison, had your original Strategy Base of $10,000 not been subject to the Negative Adjustment earlier in this example, the Strategy Account Option Value would have equaled $9,000 (i.e., $10,000 x (1 + -10%) = $9,000), and the Index Credit would have been -$1,000.</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Interim Values </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We calculate the Interim Value of your investment in a Strategy Account Option each day between the Term Start Date and the Term End Date. The Interim Value on a given day determines the amount available from that Strategy Account Option for Withdrawals, Surrender, and the other transactions listed below. The Interim Value is designed to shift investment risk from us to you to protect us from loss when having to pay out amounts from a Strategy Account Option prematurely. Withdrawals or Surrenders cause the Interim Value to be recalculated and could result in the loss of principal investment and previously applied Index Credit Rates, and such losses could be as high as 100%. All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End Date will reduce the Contract Value Death Benefit on a dollar-for-dollar basis and will trigger a Negative Adjustment which will lower your Strategy Base in the Strategy Account Option in the same proportion that the Interim Value is reduced (rather than on a dollar-for-dollar basis) and may proportionately reduce the Return of Purchase Payment Death Benefit, if applicable. Such a reduction will reduce your Strategy Base for the remainder of the Term and the proportionate reduction may be greater than the dollar amount of the amount withdrawn, or the charge deducted. The Buffer is not reflected in the calculation of Interim Value. The Interim Value is calculated at the end of the Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Interim Value for a Strategy Account Option will generally change each day, and the change may be positive or negative compared to the last day (even when the Index has increased in value). You should understand that the Interim Value for a Strategy Account Option on a day will not impact your investment in that Strategy Account Option unless one of the following transactions occurs on that day: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A charge is deducted from the Strategy Account Option; </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">An amount is deducted from the Strategy Account Option due to a Surrender or Withdrawal (including a systematic Withdrawal, required minimum distribution, free Withdrawal amounts or any other Withdrawal); </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract is annuitized; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Death Benefit is paid. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In any of those circumstances, the transaction will be processed based on the Interim Value for that Strategy Account Option on that day. If you have multiple ongoing Terms for Strategy Account Options that have different Term End Dates, the transactions listed above will be based on an Interim Value for some or all of your Strategy Account Options. For as long as you have multiple ongoing Terms for Strategy Account Options, there may be no time that any such transaction can be performed without the application of at least one Interim Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">When a transaction is processed based on an Interim Value, the Interim Value could reflect less gain or more loss (perhaps significantly less gain or more loss) than would be applied on the Term End Date. This means that there could be significantly less money available under your Contract for Withdrawals, a Surrender, annuitization and the Death Benefit. The application of an Interim Value may result in a loss to an Owner even if the reference Index at the time of Withdrawal or Surrender or other transaction listed above is higher than on the Term Start Date. Generally, the earlier a Withdrawal, Surrender, or distribution for an annuity income payment or Death Benefit payment occurs during the Term, the greater the amount of the Interim Value adjustment. If you use the Performance Capture to capture an Interim Value that is lower than the amount you invested in that Strategy Account Option on the Term Start Date, you may be capturing a loss. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You may obtain the Interim Value(s) of your Strategy Account Option(s) online at www.corebridgefinancial.com/annuities or by contacting your financial representative. The Interim Value can fluctuate daily and the current value quoted may differ than the actual value at the time of adjustment. Our process for calculating Interim Values, including examples, is explained in detail in the Statement of Additional Information. Please see “Contract Adjustment” in the Statement of Additional Information for the formula used to calculate the Interim Value.</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Performance Capture </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract includes a “Performance Capture” feature for Strategy Account Options that allows you to “capture” the Interim Value of a Strategy Account Option prior to the Term End Date. If you exercise the Performance Capture feature, your Interim Value on the Performance Capture Date will be “captured.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you elect a Strategy Account Option with Performance Capture, you may elect a manual Performance Capture and/or change your automatic Performance Capture settings, if available, before Market Close on any day prior to the five (5) days before the Term End Date. If you exercise Performance Capture for a Strategy Account Option, your Interim Value for that Strategy Account Option on the Performance Capture Date will be “captured” by the Company at the next Interim Value calculated at Market Close. You may exercise Performance Capture, as applicable, for one, some, or all of the Strategy Account Options for which it is available. If you have multiple ongoing Terms for the same Strategy Account Option, you may exercise Performance Capture for one, some, or all of them. You may decide not to exercise Performance Capture at all. Once a Performance Capture occurs during a Term, the “captured” value of your investment in the Strategy Account Option will be credited with a daily interest at the Performance Capture Fixed Rate until the next Contract Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">If you exercise Performance Capture, you will be “capturing” an Interim Value. Interim Values fluctuate daily, positively or negatively, and may be unfavorable to you. If you capture an amount that is lower than the amount you invested in that Strategy Account Option on the Term Start Date, you may be capturing a loss. Captured amounts held in the applicable Strategy Account Option will not participate in any Index performance (positive or negative) after the date of capture. No Index Credit will be applied on the Term End Date of the Strategy Account Option for which you exercised Performance Capture. Depending on when you exercised Performance Capture, your investment might not participate in Index performance for up to one year. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You may “manually” exercise Performance Capture, if available, on any day prior to the five (5) days before the Term End Date, in which case we will capture the next Interim Value calculated after we receive your request in Good Order. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For certain Strategy Account Options, you may also exercise Performance Capture “automatically” based on a target performance gain that you provide us in advance, if available with the Strategy Account Option you choose. If you wish to enroll in this feature, you must provide us with instructions that identify a target performance gain percentage. After you enroll, Performance Capture will be automatically exercised if your Interim Value is greater than your Strategy Base by the percentage you specified. For instance, if you instruct us to exercise Performance Capture on any day that would capture at least a 5% gain, Performance Capture will be automatically exercised on any day that the Interim Value is at least 5% greater than your Strategy Base. The amount “captured” will not be the amount you initially allocated to the Strategy Account Option increased by the specified percentage if the Strategy Base has decreased due to Withdrawals and charges, and the Negative Adjustment. You may be “capturing” a loss. For example, if the amount initially allocated is $10,000, but the Strategy Base is $8,000 due to prior Withdrawals from that Strategy Account Option, then an Interim Value would automatically “capture” at $8,400 (1.05 x $8,000), not $10,500 (1.05 of $10,000). You may cancel or change your Performance Capture instructions before Market Close on any Business Day prior to the five (5) days before the Term End Date if Performance Capture has not occurred. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you submit instructions with your Contract application for Performance Capture to be automatically exercised for a Strategy Account Option, those instructions will apply to your Purchase Payment allocated to that Strategy Account Option. Those instructions will not apply to any other Strategy Account Option or any future Term. You must submit separate instructions to exercise Performance Capture automatically in those instances. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">If you exercise Performance Capture manually, you won’t know the captured Interim Value in advance. The captured Interim Value may be lower or higher than the Interim Value that was last calculated before you submitted your request. If you exercise Performance Capture automatically, you will not know the captured Interim Value in advance, but the captured Interim Value will be triggered by the target performance gain that you set in advance. We will not provide advice or notify you regarding whether you should exercise the Performance Capture feature or the optimal time for doing so. We will not warn you if you exercise the Performance Capture feature at a sub-optimal time. We are not responsible for any losses related to your decision to exercise the Performance Capture feature. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">You will not know the Interim Value at the time Performance Capture occurs and you may be “capturing” a loss. The Interim Value could be substantially less than the amount invested in the Strategy Account Option and could result in significant loss. You should speak with your financial representative before exercising Performance Capture. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You should obtain the current Interim Value and discuss with your financial representative before executing a Performance Capture, although because of its daily fluctuation this value may be more or less than the value that will be “captured”. You may obtain the Interim Value(s) of your Strategy Account Option(s) online at www.corebridgefinancial.com/annuities or by contacting your financial representative. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">On the Performance Capture Date, the amount captured in the applicable Strategy Account will equal the captured Interim Value. Thereafter, until the next Contract Anniversary, that amount will be credited the Performance Capture Fixed Rate each day and will be reduced on a dollar-for-dollar basis for any charges or Withdrawals deducted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The table in </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">“Appendix A: Investment Options Available Under the Contract”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> shows the Strategy Account Options that include Performance Capture as a feature. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Once you Performance Capture, the amount held in the applicable Strategy Account Option will remain there until the next Contract Anniversary unless withdrawn or annuitized. On the next Contract Anniversary, you may transfer the amount held in the applicable Strategy Account Option to any Allocation Account that is available for investment. We must receive your instructions at least five (5) days before the next Contract Anniversary. In the absence of instructions, the amount held in an applicable Strategy Account Option with a 1-year Term will be automatically renewed into the same Strategy Account Option for which you exercised Performance Capture and the amount held in an applicable Strategy Account Option with multi-year Term, will be transferred to the Fixed Account Option, subject to the applicable renewal interest rates. If a Strategy Account Option with a 1-year Term is no longer available for investment, such amount will be transferred to the Fixed Account Option, subject to the applicable renewal interest rates. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Other information about Performance Capture: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Exercise of a Performance Capture is irrevocable. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The instructions for an automatic Performance Capture can be changed or revoked any day prior to the five (5) days before the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">There is no limit on the number of times that you may exercise Performance Capture during the Accumulation Phase, but it may be exercised only once during any single Term for any single Strategy Account Option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you have multiple ongoing Terms for the same Strategy Account Option, you may exercise Performance Capture for one, some, or all of them. You may provide separate manual or automatic Performance Capture instructions for any such Term. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you exercise Performance Capture multiple times (for different Strategy Account Options) within a one year period, amounts held in the applicable Strategy Account Option that are attributable to one exercise of Performance Capture will be treated as distinct from any amounts attributable to another exercise of Performance Capture for purposes of crediting interest; deducting charges and Withdrawals; and transferring amounts from the applicable Strategy Account Option on the next Contract Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We may change the Performance Capture Fixed Rate at each Contract Anniversary, subject to a guaranteed minimum interest rate of 1.00%. If you are invested in a Strategy Account Option with a multi-year Term, your Performance Captured Fixed Rate may change from one Contract Anniversary to the next within the Term. Once a Strategy Account Option is Performance Captured, the Performance Capture Fixed Rate used to credit daily interest will not change before the next Contract Anniversary when the value is eligible for transfer. For any date on which a charge or Withdrawal is deducted from the applicable Strategy Account Option, daily interest will have been credited before the deduction of the charge or Withdrawal.</span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Index Substitutions </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">During a Term, if an Index is discontinued or if the calculation of the Index is substantially changed by the Index provider, or if the Index Values should become unavailable for any reason, we may substitute the Index with a new Index once we obtain all necessary regulatory approvals.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will notify you of any such substitution in writing. We will seek to notify you at least 30 days prior to substituting an Index for any Strategy Account Option in which you are invested. However, in the event that it is necessary to substitute on less than 30 days’ notice due to circumstances outside of our control, we will provide notice of the substitution as soon as practicable.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we substitute an Index, we will select a new Index that we determine in our judgment is comparable to the original Index. We may look at factors which include, but are not limited to, asset class, index composition, strategy, and index liquidity.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we substitute an Index during a Term, we will calculate the Index Change using the original Index up until the substitution date. After the substitution date, we will calculate the Index Change using the replacement Index, but with a revised initial Index Value for the replacement Index. The revised initial Index Value for the replacement Index will reflect the Index Change for the original Index from the Term Start Date to the substitution date. We will use a similar process if multiple substitutions occur during a Term. The substitution of an Index will have no impact on the Strategy Account Option’s Term, Upside Parameter, Buffer, or any other features or rates for that Strategy Account Option other than the Index to which the Strategy Account Option is linked. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This example is intended to show how we would calculate the Index Change during a Term in which an Index was substituted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Index Change on substitution date for original Index</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Initial Index Value for original Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Value for original Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1050</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Change for original Index on substitution date</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">(1050 / 1000) – 1 = 5%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This 5% Index Change on the substitution date is then used to calculate the revised Initial Index Value for the replacement Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Revised Initial Index Value for replacement Index</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Change for original Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Value for replacement Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Revised Initial Index Value for replacement Index</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000/(100% +5%) = 952.38</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Index Change calculation for that Term is then based on the change between the revised Initial Index Value for the replacement Index, and the Final Index Value for the replacement Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assuming the Final Index Value for the replacement Index is 1010.52, then the Index Change on the Term End Date will be 6.10% ((1010.52 - 952.38) / 952.38).</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">During a Term, if an Index is discontinued or if the calculation of the Index is substantially changed by the Index provider, or if the Index Values should become unavailable for any reason, we may substitute the Index with a new Index once we obtain all necessary regulatory approvals.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will notify you of any such substitution in writing. We will seek to notify you at least 30 days prior to substituting an Index for any Strategy Account Option in which you are invested. However, in the event that it is necessary to substitute on less than 30 days’ notice due to circumstances outside of our control, we will provide notice of the substitution as soon as practicable.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we substitute an Index, we will select a new Index that we determine in our judgment is comparable to the original Index. We may look at factors which include, but are not limited to, asset class, index composition, strategy, and index liquidity.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we substitute an Index during a Term, we will calculate the Index Change using the original Index up until the substitution date. After the substitution date, we will calculate the Index Change using the replacement Index, but with a revised initial Index Value for the replacement Index. The revised initial Index Value for the replacement Index will reflect the Index Change for the original Index from the Term Start Date to the substitution date. We will use a similar process if multiple substitutions occur during a Term. The substitution of an Index will have no impact on the Strategy Account Option’s Term, Upside Parameter, Buffer, or any other features or rates for that Strategy Account Option other than the Index to which the Strategy Account Option is linked. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This example is intended to show how we would calculate the Index Change during a Term in which an Index was substituted. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Index Change on substitution date for original Index</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Initial Index Value for original Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Value for original Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1050</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Change for original Index on substitution date</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">(1050 / 1000) – 1 = 5%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">This 5% Index Change on the substitution date is then used to calculate the revised Initial Index Value for the replacement Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Revised Initial Index Value for replacement Index</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Change for original Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Index Value for replacement Index on substitution date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Revised Initial Index Value for replacement Index</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1000/(100% +5%) = 952.38</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Index Change calculation for that Term is then based on the change between the revised Initial Index Value for the replacement Index, and the Final Index Value for the replacement Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assuming the Final Index Value for the replacement Index is 1010.52, then the Index Change on the Term End Date will be 6.10% ((1010.52 - 952.38) / 952.38).</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">The Indices</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:2pt;font-weight:bold;line-height:1.8600pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Each Strategy Account Option credits interest based on the performance of one of the following Indices: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index was established by Standard &amp; Poor’s. The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index includes 500 large cap stocks from leading companies in leading industries of the U.S. economy, capturing 75% coverage of U.S. equities. The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities comprising the Index. This will cause the Index to underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> includes 100 of the largest domestic and international non-financial companies listed on the Nasdaq Stock Market. The Index includes equities of companies across major industry groups including computer hardware and software, telecommunications, and retail/wholesale trade and biotechnology. It does not contain securities of financial companies including investment companies. The Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities comprising the Index. This will cause the Index to underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">MSCI EAFE Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The MSCI EAFE Index is designed to represent the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia, and the Far East, excluding U.S. and Canada.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3,000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index, which is made up of the 3,000 biggest U.S. stocks. The Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Index Value is the closing value of the Index for that day. The Index Value on any day that is not a Business Day is the value of the Index at the end of the prior Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We rely on the Index Values reported to us by a third-party when administering the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Indices track, directly or indirectly, the performance of a specific basket of stocks or other assets considered to represent a particular market or sector. By investing in a Strategy Account Option that is linked to the performance of an Index, you are not investing in the Index (it is not possible to invest directly in the Index) or the companies that comprise the indices and you have no rights with respect to the Index or any companies whose securities comprise the Index. The Indices are price return indices and therefore do not reflect dividends paid on the securities comprising the Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Risk Factors – Index Risk.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Historical Index Returns </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The bar charts shown below provide each Index’s annual returns for the last 10 calendar years (or for the life of the Index if less than 10 years), as well as the Index returns after applying a hypothetical 5% cap and a hypothetical 10% buffer. The chart illustrates the variability of the returns from year to year and shows how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The performance below is NOT the performance of any Strategy Account Option. Your performance under the Contract will differ, perhaps significantly. The performance below may reflect a different return calculation, time period and limit on Index gains and losses than the Strategy Account Options, and does not reflect Contract charges, including Withdrawal Charges or Negative Adjustments to Interim Value, which reduce performance.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index was established by Standard &amp; Poor’s. The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index includes 500 large cap stocks from leading companies in leading industries of the U.S. economy, capturing 75% coverage of U.S. equities. The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities comprising the Index. This will cause the Index to underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> The Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> includes 100 of the largest domestic and international non-financial companies listed on the Nasdaq Stock Market. The Index includes equities of companies across major industry groups including computer hardware and software, telecommunications, and retail/wholesale trade and biotechnology. It does not contain securities of financial companies including investment companies. The Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities comprising the Index. This will cause the Index to underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">MSCI EAFE Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The MSCI EAFE Index is designed to represent the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia, and the Far East, excluding U.S. and Canada.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> Index. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3,000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index, which is made up of the 3,000 biggest U.S. stocks. The Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The bar charts shown below provide each Index’s annual returns for the last 10 calendar years (or for the life of the Index if less than 10 years), as well as the Index returns after applying a hypothetical 5% cap and a hypothetical 10% buffer. The chart illustrates the variability of the returns from year to year and shows how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> Index </span> <img alt=" " src="g73164img8828abf010.jpg" style="height:223pt;margin-left:6.67%;width:468pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-36pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-36pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities comprising the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This will cause the Index return to underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:8.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities comprising the Index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This will cause the Index return to underperform in comparison to a direct investment in a total return index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">® </span> <img alt=" " src="g73164img0397ab3e11.jpg" style="height:223pt;margin-left:6.67%;width:468pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-36pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-36pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities comprising the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This will cause the Index return to underperform in comparison to a direct investment in a total return index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities comprising the Index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This will cause the Index return to underperform in comparison to a direct investment in a total return index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">MSCI EAFE Index </span> <img alt=" " src="g73164img7d79e46b12.jpg" style="height:223pt;margin-left:6.67%;width:468pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-36pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-36pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities comprising the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This will cause the Index return to underperform in comparison to a direct investment in a total return index.</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:8.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities comprising the Index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This will cause the Index return to underperform in comparison to a direct investment in a total return index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;"> Index </span> <img alt=" " src="g73164imgaa984b7313.jpg" style="height:223pt;margin-left:6.67%;width:468pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:1pt;margin-left:-36pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;line-height:10.00pt;margin-left:-36pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities comprising the Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This will cause the Index return to underperform in comparison to a direct investment in a total return index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities comprising the Index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">This will cause the Index return to underperform in comparison to a direct investment in a total return index.</span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Systematic Withdrawal Program </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">During the Accumulation Phase, you may elect to receive periodic Withdrawals under the Systematic Withdrawal Program for no additional charge. Under the program, Withdrawals are taken proportionally from all Allocation Accounts, and you may choose to take monthly, quarterly, semi-annual or annual Withdrawals from your Contract. Electronic transfer of these periodic Withdrawals to your bank account is available. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Please contact our Annuity Service Center which can provide the necessary enrollment forms. A Withdrawal Charge may apply if the amount of the periodic Withdrawals in any year exceeds the free Withdrawal amount permitted each Contract Year. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Upon notification of your death, we will terminate the Systematic Withdrawal Program. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We reserve the right to modify, suspend or terminate the Systematic Withdrawal Program at any time. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">WAIVER OF WITHDRAWAL CHARGE </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We will waive Withdrawal Charges for the following:</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Extended Care Waiver </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you are receiving extended care in a Qualified Facility for 90 consecutive days or longer, Withdrawal Charges may be waived in the event an Owner receives qualifying extended care. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Extended care must begin at least two years  after the Contract Issue Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Extended care must be provided in a Qualified Facility for at least 90 consecutive days. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Owner has 30 days to be confined again for the same/related cause for the period to be deemed uninterrupted (i.e., not required to satisfy another 90 consecutive days). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Coverage terminates on the earliest of the date on which any Owner turns age 86, or the date on which the Contract is terminated or Surrendered. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">“Qualified Facility” means a facility located in the United States or its territories and that is an Assisted Living Facility, Hospital, or Nursing Facility that provides Medically Necessary care by a Qualified Medical Professional or Physician and is not an Excluded Facility as described below. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Assisted Living Facility – A facility is an “Assisted Living Facility” if all of the following apply: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Is licensed and/or certified as an Assisted Living Facility; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Is primarily engaged in providing continuous nursing services by or under the supervision of a Physician or a Qualified Medical Professional; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Provides continuous room and board for an extended period of time. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Hospital – A facility is a “Hospital” if any of the following apply: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Is licensed and operated as a hospital; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Is accredited as a hospital by the Joint Commission on the Accreditation of Healthcare Organizations; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Operates as a hospital under law. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Nursing Facility – A facility is a “Nursing Facility” if all of the following apply: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Is licensed and/or certified as a Nursing Facility; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Is solely engaged in providing continuous nursing service that is Medically Necessary by or under the supervision of a Physician or a Qualified Medical Professional; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Administers a planned program of 24-hour observation and treatment by a Physician and/or Qualified Medical Professional; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Provides continuous room and board for an extended period of time. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Excluded Facility – A facility is an “Excluded Facility,” even if it meets the definition of Assisted Living Facility, Hospital, or Nursing Facility if it is one of the following: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Alcohol or chemical treatment center (or similar center); or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Home for the aged; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Community living center; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Senior living facility; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Place that solely provides accommodations, room and/or board; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Place that primarily provides personal care services to those whom do not need daily medical or nursing care; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Place that provides in-home care. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A “Qualified Medical Professional” or “Physician” is a person who is licensed in the United States by a state or federal licensing authority for such practitioners to diagnose and prescribe Medically Necessary care for a condition requiring Extended Care confinement in a Qualified Facility, acting within the scope of his or her license, and not a resident of </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">the Owner’s household or related to the Owner by blood or marriage. The term “Medically Necessary” means appropriate and consistent with the diagnosis in accord with accepted standards of practice and which could not have been omitted without adversely affecting the individual’s condition. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In order to use this waiver, you must submit the following documents to the Annuity Service Center: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A completed claim form that we will provide upon request; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Any authorization required by us to obtain information and documentation from a third party; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Written consent to the claim, in a form acceptable to us, of any applicable irrevocable Beneficiary, assignee or other required party. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We reserve the right to require an examination of the Owner by a Qualified Medical Professional or Physician of our choice and to acquire a second opinion from such Qualified Medical Professional or Physician at our expense. In case of conflicting opinions, we may require, and will pay for, a third opinion from a different Qualified Medical Professional or Physician, mutually acceptable to the Owner and us, which shall be determinative. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If any Owner is not an individual, this waiver of Withdrawal Charge provision will apply to the Annuitant or joint Annuitant.</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Terminal Illness Waiver </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We may waive any applicable Withdrawal Charge to partial Withdrawals or Surrenders if, at any time on and after the Contract Issue Date, you are initially diagnosed as having a Terminal Illness by a Qualified Physician. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The term “Terminal Illness” means any disease or medical condition which a Qualified Physician expects will result in death within one year from the date of certification. A “Qualified Physician” is a person who is licensed to practice medicine in the United States by a state or federal licensing authority, specially trained to diagnose and treat the condition causing the Terminal Illness, acting within the scope of his or her license, and not a resident of the Owner’s household or related to the Owner by blood or marriage. In order to use this waiver, you must submit the following documents to the Annuity Service Center: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A completed claim form that we will provide upon request; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Any authorization required by us to obtain information and documentation from a third party; and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Written consent to the claim, in a form acceptable to us, of any applicable irrevocable Beneficiary, assignee or other required party. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The diagnosis of Terminal Illness must be in the form of written documentation, signed by a Qualified Physician, supported by clinical, radiological or laboratory evidence of the Owner’s Terminal Illness. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We reserve the right to require an examination of the Owner by a Qualified Physician of our choice and to acquire a second opinion from such Qualified Physician at our expense. In case of conflicting opinions, we may require, and will pay for, a third opinion from a different Qualified Physician, mutually acceptable to the Owner and us, which shall be determinative. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If any Owner is not an individual, this waiver of Withdrawal Charge provision will apply to the Annuitant or joint Annuitant. </span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:0pt;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Benefits Available Under the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:2pt;font-weight:bold;line-height:1.8600pt;">  </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The following table summarizes information about the benefits available under the Contract.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The availability of Contract benefits may vary depending on the broker-dealer firm through which the Contract is sold. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Appendix E: Broker-Dealer Variations” in the prospectus </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">for additional information.</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Standard Benefits</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Name of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:74pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Free </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Withdrawal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for an amount that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">may be withdrawn each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Contract Year without </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">incurring Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals of Free Withdrawal Amount may be subject to </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Negative Adjustments to Interim Value and taxes and tax </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">penalties.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">All Withdrawals count against Free Withdrawal Amount.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Unused Free Withdrawal Amount is not available in future </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Contract Years.</span></div></div></td></tr> <tr style="height:334pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Capture</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">By request in Good Order, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">allows you to capture the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Interim Value of a Strategy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Account Option either </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“manually” or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“automatically” based on a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">target performance gain </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">that you provide us in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">advance. Once a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Performance Capture occurs </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">during a Term, the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“captured” value of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">investment in the Strategy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Account Option will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">credited with a daily </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">interest at the Performance </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Capture Fixed Rate until </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the next Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Anniversary.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We will not provide advice or notify you regarding whether </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">you should exercise Performance Capture or the optimal time </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">for doing so (if any).</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We will not warn you if you exercise Performance Capture at </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">a sub-optimal time.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You will not know the Interim Value in advance; the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">captured Interim Value could be lower than you anticipated.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We are not responsible for any losses or forgone gains </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">related to your decision whether or not to exercise </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Performance Capture.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You may not “manually” exercise Performance Capture or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">change your instructions for an automatic Performance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Capture during the five (5) days before the Term End Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Will not participate in Index performance (positive or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">negative) for the remainder of the Term, including the Term </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">End Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Buffer Rate and Upside Parameters will not apply on the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Term End Date after a Performance Capture is exercised.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You will not participate in Index performance (positive or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">negative) for the remainder of the Term, including the Term </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">End Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Capturing an Interim Value lower than your investment in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">the Strategy Account Option will result in loss, no Buffer will </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">apply, and the loss could be significant.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Upon exercise, you may transfer into a new Allocation </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Account at your next Contract Anniversary.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">May be exercised once per Term for each Strategy Account </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You must exercise for the full amount allocated to the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Strategy Account Option.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Exercise is irrevocable.</span></div></div></td></tr> <tr style="height:91.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Return of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Purchase </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Payment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for a Death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Benefit upon death of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Owner during the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Accumulation Phase equal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">to the greater of the (1) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Contract Value or (2) Net </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Purchase Payments.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract for Owners age 75 and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">younger on the Contract Issue Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Contract Value reflects any applicable Interim Values.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Terminates upon Annuitization.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Net Purchase Payment component is subject to proportionate </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">reductions for prior Withdrawals.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Partial Withdrawals could significantly reduce the benefit, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">perhaps by more than the amount withdrawn. </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Standard Benefits </span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;">(continued)</span><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;line-height:1.86pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Name of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:94pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Contract </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Value Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for a Death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Benefit upon death of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Owner during the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Accumulation Phase equal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">to the Contract Value on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the Business Day we </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">receive all required </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">documentation in Good </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Order.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract for Owners age 76 and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">older on the Contract Issue Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Contract Value reflects any applicable Interim Values.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Terminates upon Annuitization.</span></div></div></td></tr> <tr style="height:104pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Extended </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Care Waiver</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges in the event of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">confinement to a Qualified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Facility.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract on the Contract Issue </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Extended care must begin at least two years after the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Contract Issue Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Extended care must be provided in a Qualified Facility, as </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">defined in the Contract, for at least 90 consecutive days.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals under the benefit may be subject to Interim </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Values and taxes and tax penalties.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals count against the Free Withdrawal Amount.</span></div></div></td></tr> <tr style="height:91.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Terminal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Illness Waiver</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges in the event of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">diagnosis as having a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Terminal Illness by a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Qualified Physician.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included on the Contract at Contract Issue </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Owner must be diagnosed as having a Terminal Illness by a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Qualified Physician as defined by the benefit.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Diagnosis must not pre-exist the Contract Issue Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals under the benefit may be subject to Interim </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Values and taxes and tax penalties.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals count against the Free Withdrawal Amount.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Name of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:74pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Free </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Withdrawal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for an amount that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">may be withdrawn each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Contract Year without </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">incurring Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals of Free Withdrawal Amount may be subject to </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Negative Adjustments to Interim Value and taxes and tax </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">penalties.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">All Withdrawals count against Free Withdrawal Amount.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Unused Free Withdrawal Amount is not available in future </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Contract Years.</span></div></div></td></tr> <tr style="height:334pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Capture</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">By request in Good Order, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">allows you to capture the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Interim Value of a Strategy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Account Option either </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“manually” or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“automatically” based on a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">target performance gain </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">that you provide us in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">advance. Once a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Performance Capture occurs </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">during a Term, the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“captured” value of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">investment in the Strategy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Account Option will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">credited with a daily </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">interest at the Performance </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Capture Fixed Rate until </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the next Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Anniversary.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We will not provide advice or notify you regarding whether </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">you should exercise Performance Capture or the optimal time </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">for doing so (if any).</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We will not warn you if you exercise Performance Capture at </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">a sub-optimal time.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You will not know the Interim Value in advance; the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">captured Interim Value could be lower than you anticipated.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We are not responsible for any losses or forgone gains </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">related to your decision whether or not to exercise </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Performance Capture.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You may not “manually” exercise Performance Capture or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">change your instructions for an automatic Performance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Capture during the five (5) days before the Term End Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Will not participate in Index performance (positive or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">negative) for the remainder of the Term, including the Term </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">End Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Buffer Rate and Upside Parameters will not apply on the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Term End Date after a Performance Capture is exercised.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You will not participate in Index performance (positive or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">negative) for the remainder of the Term, including the Term </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">End Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Capturing an Interim Value lower than your investment in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">the Strategy Account Option will result in loss, no Buffer will </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">apply, and the loss could be significant.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Upon exercise, you may transfer into a new Allocation </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Account at your next Contract Anniversary.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">May be exercised once per Term for each Strategy Account </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You must exercise for the full amount allocated to the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Strategy Account Option.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Exercise is irrevocable.</span></div></div></td></tr> <tr style="height:91.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Return of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Purchase </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Payment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for a Death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Benefit upon death of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Owner during the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Accumulation Phase equal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">to the greater of the (1) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Contract Value or (2) Net </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Purchase Payments.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract for Owners age 75 and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">younger on the Contract Issue Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Contract Value reflects any applicable Interim Values.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Terminates upon Annuitization.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Net Purchase Payment component is subject to proportionate </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">reductions for prior Withdrawals.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Partial Withdrawals could significantly reduce the benefit, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">perhaps by more than the amount withdrawn. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Name of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:94pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Contract </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Value Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for a Death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Benefit upon death of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Owner during the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Accumulation Phase equal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">to the Contract Value on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the Business Day we </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">receive all required </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">documentation in Good </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Order.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract for Owners age 76 and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">older on the Contract Issue Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Contract Value reflects any applicable Interim Values.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Terminates upon Annuitization.</span></div></div></td></tr> <tr style="height:104pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Extended </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Care Waiver</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges in the event of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">confinement to a Qualified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Facility.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract on the Contract Issue </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Extended care must begin at least two years after the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Contract Issue Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Extended care must be provided in a Qualified Facility, as </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">defined in the Contract, for at least 90 consecutive days.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals under the benefit may be subject to Interim </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Values and taxes and tax penalties.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals count against the Free Withdrawal Amount.</span></div></div></td></tr> <tr style="height:91.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Terminal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Illness Waiver</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges in the event of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">diagnosis as having a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Terminal Illness by a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Qualified Physician.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:254.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included on the Contract at Contract Issue </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Owner must be diagnosed as having a Terminal Illness by a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Qualified Physician as defined by the benefit.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Diagnosis must not pre-exist the Contract Issue Date.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals under the benefit may be subject to Interim </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Values and taxes and tax penalties.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals count against the Free Withdrawal Amount.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Free </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Amount</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for an amount that </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">may be withdrawn each </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Contract Year without </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">incurring Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges.</span> 0 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals of Free Withdrawal Amount may be subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Negative Adjustments to Interim Value and taxes and tax </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">All Withdrawals count against Free Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Unused Free Withdrawal Amount is not available in future </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Contract Years.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Performance </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Capture</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">By request in Good Order, </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">allows you to capture the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Interim Value of a Strategy </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Account Option either </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“manually” or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“automatically” based on a </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">target performance gain </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">that you provide us in </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">advance. Once a </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Performance Capture occurs </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">during a Term, the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">“captured” value of your </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">investment in the Strategy </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Account Option will be </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">credited with a daily </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">interest at the Performance </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Capture Fixed Rate until </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the next Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Anniversary.</span> 0 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We will not provide advice or notify you regarding whether </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">you should exercise Performance Capture or the optimal time </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">for doing so (if any).</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We will not warn you if you exercise Performance Capture at </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">a sub-optimal time.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You will not know the Interim Value in advance; the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">captured Interim Value could be lower than you anticipated.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">We are not responsible for any losses or forgone gains </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">related to your decision whether or not to exercise </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Performance Capture.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You may not “manually” exercise Performance Capture or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">change your instructions for an automatic Performance </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Capture during the five (5) days before the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Will not participate in Index performance (positive or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">negative) for the remainder of the Term, including the Term </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Buffer Rate and Upside Parameters will not apply on the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Term End Date after a Performance Capture is exercised.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You will not participate in Index performance (positive or </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">negative) for the remainder of the Term, including the Term </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Capturing an Interim Value lower than your investment in </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">the Strategy Account Option will result in loss, no Buffer will </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">apply, and the loss could be significant.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Upon exercise, you may transfer into a new Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Account at your next Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">May be exercised once per Term for each Strategy Account </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">You must exercise for the full amount allocated to the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Strategy Account Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Exercise is irrevocable.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Return of </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Purchase </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Payment </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for a Death </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Benefit upon death of the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Owner during the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Accumulation Phase equal </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">to the greater of the (1) </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Contract Value or (2) Net </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Purchase Payments.</span> 0 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract for Owners age 75 and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">younger on the Contract Issue Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Contract Value reflects any applicable Interim Values.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Terminates upon Annuitization.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Net Purchase Payment component is subject to proportionate </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">reductions for prior Withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Partial Withdrawals could significantly reduce the benefit, </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">perhaps by more than the amount withdrawn. </span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Value Death </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Provides for a Death </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Benefit upon death of the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Owner during the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Accumulation Phase equal </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">to the Contract Value on </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">the Business Day we </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">receive all required </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">documentation in Good </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Order.</span> 0 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract for Owners age 76 and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">older on the Contract Issue Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Contract Value reflects any applicable Interim Values.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Terminates upon Annuitization.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Extended </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Care Waiver</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Waiver of Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges in the event of </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">confinement to a Qualified </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Facility.</span> 0 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included in Contract on the Contract Issue </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Extended care must begin at least two years after the </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Contract Issue Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Extended care must be provided in a Qualified Facility, as </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">defined in the Contract, for at least 90 consecutive days.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals under the benefit may be subject to Interim </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Values and taxes and tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals count against the Free Withdrawal Amount.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Terminal </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">Illness Waiver</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Waiver of Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Charges in the event of </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">diagnosis as having a </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Terminal Illness by a </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Qualified Physician.</span> 0 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Automatically included on the Contract at Contract Issue </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Owner must be diagnosed as having a Terminal Illness by a </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Qualified Physician as defined by the benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Diagnosis must not pre-exist the Contract Issue Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals under the benefit may be subject to Interim </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:9.0pt;">Values and taxes and tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:2.07pt;">Withdrawals count against the Free Withdrawal Amount.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Death Benefits</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-1.75pt;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:2pt;font-weight:bold;line-height:1.8600pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">At the time you purchase your Contract, one of the Death Benefits will be applied to your Contract based on the Owner’s age on the Contract Issue Date. For Owners age 76 or older on the Contract Issue Date, the Death Benefit is the Contract Value Death Benefit. For Owners age 75 or younger on the Contract Issue Date, the Death Benefit is the Return of Purchase Payment Death Benefit. In the event there are joint Owners, the age of the older Owner will be used to determine which Death Benefit applies to your Contract. For example, if the ages of the joint Owners are 75 and 76 on the Contract Issue Date, the age of the older joint Owner (age 76) will be used to determine the Death Benefit and the Contract Value Death Benefit will apply </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We do not pay a Death Benefit if (i) your Contract Value is reduced to zero or (ii) you die after you begin the Income Phase. Your Beneficiary would receive any remaining guaranteed annuity income payments in accordance with the annuity income option you selected. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Annuity Income Options.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We pay a Death Benefit to your Beneficiary(ies) if you die during the Accumulation Phase. The Death Benefit will become payable upon death of the following individual.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:13.5pt;"> <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:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Owner</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:270pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Payable Upon the Death of</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Natural persons</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Owner (or first to die, if jointly owned)</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Non-natural person (e.g., Trust)</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:270pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Annuitant</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Beneficiary Designation </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You must notify us in writing of the Beneficiary(ies) who will receive any Death Benefit payments under your Contract. You may change the Beneficiary at any time, unless otherwise specified below. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If your Contract is jointly owned, the surviving joint Owner must be the sole primary Beneficiary. Any other individual you designate as Beneficiary will be the contingent Beneficiary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Owner is a non-natural person, then joint Annuitants, if any, shall be each other’s sole primary Beneficiary, except when the Owner is a charitable remainder trust. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Owner is a trust, whether as an agent for a natural person or otherwise, you should consult with your tax and/or legal adviser to determine whether the Contract is an appropriate trust investment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Death Benefit Processing </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We process Death Benefit requests when we receive all required documentation, including satisfactory proof of death, in Good Order, at the Annuity Service Center. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Satisfactory proof of death includes, but may not be limited to: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A certified copy of the death certificate; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A certified copy of a decree of a court of competent jurisdiction as to the finding of death; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A written statement by a medical doctor who attended to the deceased at the time of death. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">When Death Benefits are Calculated </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">All Death Benefit calculations are made no later than one Business Day after all required documentation is received in Good Order at the Annuity Service Center. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Contract Value will remain invested pursuant to the Owner’s latest allocation instructions on file subject to the limitations described in this prospectus until we receive notification of death and/or death claim paperwork in Good Order. Thereafter, a Beneficiary may elect one of the Death Benefit settlement options by contacting the Annuity Service Center. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If we receive notification of the Owner’s death before any previously requested transaction is completed (including systematic transfer and Withdrawal programs), we will cancel the previously requested transaction. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For contracts in which the aggregate of all Purchase Payments in contracts issued by US Life, AGL and/or VALIC to the same Owner/Annuitant are in excess of the Purchase Payment Limit, we reserve the right to limit the Death Benefit amount that is in excess of the Contract Value at the time we receive all paperwork and satisfactory proof of death. Any limit on the maximum Death Benefit payable would be mutually agreed upon in writing by you and the Company prior to purchasing the Contract. The “Purchase Payment Limit” is the maximum Purchase Payment of $2,000,000 without prior Company approval. We may choose to accept Purchase Payments in excess of $2,000,000 at our sole discretion. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Death Benefit Settlement Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Your Beneficiary must elect one of the following settlement options after providing required documentation, including satisfactory proof of death, in Good Order. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Lump sum payment, </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Annuity Income Option, </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Continue the Contract as the Spousal Beneficiary, or under a Beneficiary continuation option, if available, or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A payment option that is mutually agreeable. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In general, the Death Benefit must be paid within five (5) years of the date of death unless the Beneficiary elects to have it payable in the form of an annuity income option. If the Beneficiary elects an annuity income option, it must be paid over the Beneficiary’s life expectancy or a shorter period. Payments associated with such election must begin within one (1) year of death. Federal tax law may limit the Beneficiary’s Death Benefit and payout options available after your death. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Annuity Income Options.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">DEATH BENEFIT OPTIONS</span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Contract Value Death Benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For Owners age 76 or older on the Contract Issue Date, the Death Benefit is the Contract Value Death Benefit. The Contract Value Death Benefit is equal to the Contract Value on the Business Day we receive all required documentation in Good Order.</span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Return of Purchase Payment Death Benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For Owners age 75 or younger on the Contract Issue Date, the Death Benefit is the Return of Purchase Payment Death Benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Return of Purchase Payment Death Benefit is the greater of the: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Contract Value; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Net Purchase Payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Withdrawals may reduce Net Purchase Payments by more than the amount withdrawn. For example, assume your Contract Value is $15,000, your Net Purchase Payment is $20,000 and you take a Withdrawal of $6,000. The $6,000 Withdrawal would reduce your Net Purchase Payment by $8,000 because Net Purchase Payments are reduced by the same proportion as the Contract Value is reduced by a Withdrawal, which in this example is 40% (40% x $20,000). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Appendix D: Return of Purchase Payment Death Benefit Examples.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Impact of Interim Value on Death Benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Contract is invested in a Strategy Account Option, and the Death Benefit becomes payable before the Term End Date, the amount payable from that Strategy Account Option will be calculated based on the Interim Value of that Strategy Account Option. When a transaction is processed based on an Interim Value, the Interim Value could reflect less gain or more loss (perhaps significantly less gain or more loss) than would be applied on the Term End Date. This means that there could be significantly less money available under your Contract for both the Contract Value Death Benefit and the Return of Purchase Payment Death Benefit. The Interim Value could be substantially less than the amount initially invested in the Strategy Account Option and could result in significant loss.</span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Spousal Continuation </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Continuing Spouse may elect to continue the Contract after your death. A spousal continuation can only take place once, upon the death of the original Owner of the Contract. The “Continuing Spouse” is the original Owner’s spouse, at the time of death, who elects to continue the Contract after the death of the original Owner. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Upon election of spousal continuation: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Generally, the Contract, its benefits and elected features, if any, remain the same. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The age of the Continuing Spouse on the Continuation Date will be used to determine any future Death Benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Continuing Spouse is subject to the same charges and expenses applicable to the original Owner of the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Charges and Adjustments.” </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Continuing Spouse will be subject to the investment risk of the Strategy Account Options, as was the original Owner. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Continuing Spouse is age 75 or younger on the Continuation Date, the Return of Premium Death Benefit will apply. If the Continuing Spouse is age 76 or older on the Continuation Date, the Death Benefit is equal to the Contract Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Appendix C: Death Benefits Following Spousal Continuation”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> for a discussion of the Death Benefit calculations upon a Continuing Spouse’s death. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Under current tax law, non-spousal joint Owners (including Domestic Partners) are not eligible for spousal continuation. Upon a spousal continuation, we will contribute the Continuation Contribution, if any, to the Contract Value. The Continuation Contribution is not considered a Purchase Payment for the purposes of any other calculations except the Death Benefit following the Continuing Spouse’s death. We will add any Continuation Contribution as of the date we receive both the Continuing Spouse’s written request to continue the Contract and satisfactory proof of death of the original Owner (“Continuation Date”) at the Annuity Service Center. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Investments in Allocation Accounts Upon Spousal Continuation </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Upon spousal continuation, the Continuing Spouse must remain invested in the existing Allocation Account(s) in accordance with the general terms of the Contract where the Contract Value will remain until new allocation instructions are provided. Any Continuation Contribution will be applied proportionally among the existing Allocation Account(s). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If a Term for an Allocation Account ends while the death claim is pending, Contract Value invested in a 1-year Term Strategy Account Option will be automatically transferred to the same Strategy Account Option for another Term. If the same 1-year Term Strategy Account Option is not available for investment, the Contract Value will be automatically transferred to the Fixed Account Option until the death claim can be processed. Contract Value invested in a multi-year Term Strategy Account Option or in the Fixed Account Option will be transferred or renewed to the Fixed Account Option. All such transfers will be subject to the current rates applicable for the new Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following details the Death Benefit payable upon the Continuing Spouse’s death. The Death Benefit we will pay to the new Beneficiary chosen by the Continuing Spouse varies depending on the age of the Continuing Spouse as of the Continuation Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Contract Value Death Benefit Payable upon Continuing Spouse’s Death </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Continuing Spouse is age 76 or older on the Continuation Date, the Death Benefit will be equal to the Contract Value on the Business Day during which we receive all required documentation. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Return of Purchase Payment Death Benefit Payable upon Continuing Spouse’s Death: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If the Continuing Spouse is age 75 or younger on the Continuation Date, the Death Benefit will be the greater of: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">a.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Contract value; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">b.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Net Purchase Payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">We reserve the right to modify, suspend or terminate the spousal continuation provision (in its entirety or any component) at any time for prospectively issued contracts. </span> <span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Adjustments </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Before the Term End Date for a Strategy Account Option, if you take a Withdrawal or Surrender, or if you exercise the Performance Capture, or if you annuitize the Contract, or if the Contract’s Death Benefit is paid, or if a charge is deducted from that Strategy Account Option, the transaction will be based on the Interim Value of your investment in that Strategy Account Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Interim Value is designed to shift investment risk from us to you to protect us from loss when having to pay out amounts from a Strategy Account Option prematurely. The application of an adjustment for the Interim Value to such transactions could result in a loss beyond the Buffer for the Strategy Account Option. In extreme circumstances, for any Strategy Account Option, the total loss could be </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">% (i.e., a complete loss of your principal and any prior earnings).</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Interim Values are calculated using a formula. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Several factors may cause a positive or negative adjustment, such as the time </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">remaining in the Term; the applicable Buffer Rate and Upside Parameter; market conditions (e.g., interest rates, volatility, dividends); and the market values of the hypothetical derivative instruments that we use to hedge our obligations. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing your Investment in a Strategy Account Option – Interim Values”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> and the “Statement of Additional Information” for more details, including examples illustrating the operation of Interim Values.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you take any type of Withdrawal from a Strategy Account Option before the Term End Date, your Strategy Base will be subject to a Negative Adjustment at that time. The Negative Adjustment is a proportionate reduction to your Strategy Base. It is derived by reducing your Strategy Base by the same percentage as the percentage reduction to your Interim Value due to the amount of the Withdrawal or the charge deducted (which is deducted from the Interim Value on a dollar-for-dollar basis). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">A Negative Adjustment to your Strategy Base could result in less gain (if any) on the Term End Date, perhaps significantly less gain, because the Index Credit Rate will be applied to a lower Strategy Base. All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End Date will trigger a Negative Adjustment to your Strategy Base. A Negative Adjustment to your Strategy Base may be greater than or less than the amount withdrawn or the charge deducted. There is no way to increase your Strategy Base during a Term, and therefore no way to reverse or offset the impact of a Negative Adjustment to your Strategy Base. See “Negative Adjustments to Strategy Base”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> for more details, including examples.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You may obtain the Interim Value(s) of your Strategy Account Option(s) online at www.corebridgefinancial.com/annuities or by contacting your financial representative.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Interim Values can fluctuate daily, and the current value quoted to you may differ from the actual value calculated at the time of a transaction.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Before the Term End Date for a Strategy Account Option, if you take a Withdrawal or Surrender, or if you exercise the Performance Capture, or if you annuitize the Contract, or if the Contract’s Death Benefit is paid, or if a charge is deducted from that Strategy Account Option, the transaction will be based on the Interim Value of your investment in that Strategy Account Option.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Interim Value is designed to shift investment risk from us to you to protect us from loss when having to pay out amounts from a Strategy Account Option prematurely. The application of an adjustment for the Interim Value to such transactions could result in a loss beyond the Buffer for the Strategy Account Option. In extreme circumstances, for any Strategy Account Option, the total loss could be </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">% (i.e., a complete loss of your principal and any prior earnings).</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Several factors may cause a positive or negative adjustment, such as the time </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">remaining in the Term; the applicable Buffer Rate and Upside Parameter; market conditions (e.g., interest rates, volatility, dividends); and the market values of the hypothetical derivative instruments that we use to hedge our obligations. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing your Investment in a Strategy Account Option – Interim Values”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> and the “Statement of Additional Information” for more details, including examples illustrating the operation of Interim Values.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">If you take any type of Withdrawal from a Strategy Account Option before the Term End Date, your Strategy Base will be subject to a Negative Adjustment at that time. The Negative Adjustment is a proportionate reduction to your Strategy Base. It is derived by reducing your Strategy Base by the same percentage as the percentage reduction to your Interim Value due to the amount of the Withdrawal or the charge deducted (which is deducted from the Interim Value on a dollar-for-dollar basis). </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">A Negative Adjustment to your Strategy Base could result in less gain (if any) on the Term End Date, perhaps significantly less gain, because the Index Credit Rate will be applied to a lower Strategy Base. All Withdrawals taken, and charges deducted, from a Strategy Account Option before the Term End Date will trigger a Negative Adjustment to your Strategy Base. A Negative Adjustment to your Strategy Base may be greater than or less than the amount withdrawn or the charge deducted. There is no way to increase your Strategy Base during a Term, and therefore no way to reverse or offset the impact of a Negative Adjustment to your Strategy Base. See “Negative Adjustments to Strategy Base”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> for more details, including examples.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">You may obtain the Interim Value(s) of your Strategy Account Option(s) online at www.corebridgefinancial.com/annuities or by contacting your financial representative.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Interim Values can fluctuate daily, and the current value quoted to you may differ from the actual value calculated at the time of a transaction.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:0pt;text-align:left;top:-1.75pt;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:10.23pt;font-weight:bold;text-transform:uppercase;">Appendix A: Investment Options Available Under the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:-0.75pt;text-align:left;width:540pt;"/><span style="color:#000000;font-family:Arial;font-size:2pt;font-weight:bold;line-height:1.8600pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Strategy Account Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following is a list of Strategy Account Options currently available under the Contract. We may change the features of the Strategy Account Options listed below (including the Index and the current limits on Index gains and losses), offer new Strategy Account Options, and terminate existing Strategy Account Options. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at www.corebridgefinancial.com/rila-rates-ny. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Note: If amounts are removed from a Strategy Account Option before the Term End Date, we will apply an Interim Value adjustment. This may result in a significant reduction in your Contract Value that could exceed any protection from Index loss that would be in place if you waited until the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Allocation Accounts – Strategy Account Options”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> in the prospectus for a description of the Strategy Account Options’ features. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing your Investment in a Strategy Account Option – Interim Value”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">“Charges and Adjustments – Adjustments”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> in the prospectus for more information about Interim Value adjustments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The availability of Strategy Account Options may vary depending on the broker-dealer firm through which the Contract is sold. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See "Appendix E: Broker-Dealer Variations" in the prospectus for additional information.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:49.5pt;"> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:85.52pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Index</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">1</span> </div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:59.2pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Type of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Index</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:33.46pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Term</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:74.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Index</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Crediting</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Method</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">2</span> </div></div></td> <td colspan="2" style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:104.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Buffer Rate</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(if held until</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Term End Date)</span></div></div></td> <td colspan="2" style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:109.06pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Guaranteed Minimum</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Limit on Upside</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Parameter Rates</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(for the life of the</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Strategy Account Option)</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.94pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Availability of</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Performance</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Capture</span></div></div></td></tr> <tr style="height:14.75pt;"> <td colspan="9" style="background-color:#000000;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:540.00pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">1-Year Term Strategy Account Options</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">4%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:14.75pt;"> <td colspan="9" style="background-color:#000000;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:540.00pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">3-Year Strategy Account Options</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">MSCI EAFE Index</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:16.5pt;"> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:49.5pt;"> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:85.52pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Index</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">1</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:59.2pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Type of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Index</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:33.46pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Term</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:74.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Index</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Crediting</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Method</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">2</span></div></div></td> <td colspan="2" style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:104.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Buffer Rate</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(if held until</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Term End Date)</span></div></div></td> <td colspan="2" style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:109.06pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Guaranteed Minimum</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Limit on Upside</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Parameter Rates</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(for the life of the</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Strategy Account Option)</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.94pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Availability of</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Performance</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Capture</span></div></div></td></tr> <tr style="height:14.75pt;"> <td colspan="9" style="background-color:#000000;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:540.00pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">3-Year Strategy Account Options-continued</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td colspan="9" style="background-color:#000000;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:540.00pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">6-Year Strategy Account Options</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">101%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:30pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">101%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:30pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:44.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Annual</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Application of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap and Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap Secure</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Secure Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">MCSI EAFE Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span></div></div></td></tr> <tr style="height:16.5pt;"> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-12pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">Each Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities comprising the Index. This will cause the Index to underperform in comparison to a direct investment in a total return Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:8.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">If your Strategy Account Option utilizes a “Point-to-Point” crediting method, the calculation will be based on two Index Values. The Index Change will be calculated using the Index Value on the Term Start Date and Term End Date (unless you exercise a Performance Capture). The use of a Point-to-Point crediting method results in your Index Credit Rate being calculated at a single point in time, even for a Strategy Account Option with a multi-year Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Buffer Rates for all Strategy Account Options will not change from one Term to the next for so long as that Strategy Account Option remains available under the Contract. The minimum guaranteed Buffer Rate that we offer under any Strategy Account Option is 10%. We reserve the right to add and remove Strategy Account Options as available investment options. As such, the Buffer Rates offered under the Contract for new Strategy Account Options may change from one Term to the next. There is no guarantee that Strategy Account Options that limit Index losses will always be offered. If only one Strategy Account Option is available you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you, including one that does not limit losses, which would mean risk of loss of the entire amount invested. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed rates that may be established under the Contract for each type of Index gains are: Cap Rate (no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">4</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%), Cap Secure Rate (no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">5</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%), Participation Rate (no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%), and Trigger Rate (no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">5</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-decoration:underline;">Fixed Account Option </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following is the Fixed Account Option currently available under the Contract. We may change the features and/or Term of the Fixed Account Option listed below, offer new Fixed Account Options and terminate existing Fixed Account Options. We will provide you with at least 10 days written notice before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Allocation Accounts – Fixed Account Option”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> in the prospectus for a description of the Fixed Account Option’s features.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:22.5pt;"> <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:180.17pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Name</span></div></div></td> <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:179.67pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:180.16pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Minimum Guaranteed</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Interest Rate</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180.17pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Fixed Account Option</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:179.67pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1-Year</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180.16pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The availability of the Fixed Account Option may vary depending on the broker-dealer firm through which the Contract is sold. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See "Appendix E: Broker-Dealer Variations" in the prospectus for additional information. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;text-decoration:underline;">Performance Capture Fixed Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For all Strategy Account Options, the Performance Capture Fixed Rate is a short-term fixed rate that is applied to the Performance Capture amounts from the Performance Capture Date until the next Contract Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We may change the Performance Capture Fixed Rate at any time at our discretion subject to the following annual guaranteed minimum interest rates:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:22.5pt;"> <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:180.17pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Name</span></div></div></td> <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:179.67pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:180.16pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Minimum Guaranteed</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Interest Rate</span></div></div></td></tr> <tr style="height:26.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180.17pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Performance Capture Fixed Rate</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">(Available for all Strategy Account Options)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:179.67pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Applies from the Performance Capture Date until </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">the next Contract Anniversary</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180.16pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1.00%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Strategy Account Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following is a list of Strategy Account Options currently available under the Contract. We may change the features of the Strategy Account Options listed below (including the Index and the current limits on Index gains and losses), offer new Strategy Account Options, and terminate existing Strategy Account Options. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at www.corebridgefinancial.com/rila-rates-ny. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Note: If amounts are removed from a Strategy Account Option before the Term End Date, we will apply an Interim Value adjustment. This may result in a significant reduction in your Contract Value that could exceed any protection from Index loss that would be in place if you waited until the Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Allocation Accounts – Strategy Account Options”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> in the prospectus for a description of the Strategy Account Options’ features. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Valuing your Investment in a Strategy Account Option – Interim Value”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> and </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">“Charges and Adjustments – Adjustments”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> in the prospectus for more information about Interim Value adjustments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The availability of Strategy Account Options may vary depending on the broker-dealer firm through which the Contract is sold. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See "Appendix E: Broker-Dealer Variations" in the prospectus for additional information.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:49.5pt;"> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:85.52pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Index</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">1</span> </div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:59.2pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Type of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Index</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:33.46pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Term</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:74.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Index</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Crediting</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Method</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">2</span> </div></div></td> <td colspan="2" style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:104.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Buffer Rate</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(if held until</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Term End Date)</span></div></div></td> <td colspan="2" style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:109.06pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Guaranteed Minimum</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Limit on Upside</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Parameter Rates</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(for the life of the</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Strategy Account Option)</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.94pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Availability of</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Performance</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Capture</span></div></div></td></tr> <tr style="height:14.75pt;"> <td colspan="9" style="background-color:#000000;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:540.00pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">1-Year Term Strategy Account Options</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">4%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:24.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">1-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:14.75pt;"> <td colspan="9" style="background-color:#000000;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:540.00pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">3-Year Strategy Account Options</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">MSCI EAFE Index</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:16.5pt;"> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:49.5pt;"> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:85.52pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Index</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">1</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:59.2pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Type of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Index</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:33.46pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Term</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:74.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.0pt;">Index</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Crediting</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Method</span><span style="color:#000000;font-family:Times New Roman;font-size:5.5pt;font-weight:bold;position:relative;top:-3.75pt;">2</span></div></div></td> <td colspan="2" style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:104.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Buffer Rate</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(if held until</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Term End Date)</span></div></div></td> <td colspan="2" style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:109.06pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Guaranteed Minimum</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Limit on Upside</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Parameter Rates</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(for the life of the</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Strategy Account Option)</span></div></div></td> <td style="background-color:#B2B2B2;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.94pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;margin-left:0.00pt;">Availability of</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Performance</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Capture</span></div></div></td></tr> <tr style="height:14.75pt;"> <td colspan="9" style="background-color:#000000;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:540.00pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">3-Year Strategy Account Options-continued</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td colspan="9" style="background-color:#000000;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:540.00pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;margin-left:0.0pt;">6-Year Strategy Account Options</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">101%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:30pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">101%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:30pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:34.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:44.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Annual</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Application of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap and Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap Secure</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Secure Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">MCSI EAFE Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">100%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span></div></div></td></tr> <tr style="height:20pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:14.75pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:85.52pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:59.2pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:33.46pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">6-Year</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:74.44pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span></div></div></td> <td rowspan="2" style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:24.38pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">20%</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span></div></div></td> <td rowspan="2" style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.94pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span></div></div></td></tr> <tr style="height:16.5pt;"> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:29.06pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">24%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:80pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-12pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">Each Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities comprising the Index. This will cause the Index to underperform in comparison to a direct investment in a total return Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;line-height:8.00pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">If your Strategy Account Option utilizes a “Point-to-Point” crediting method, the calculation will be based on two Index Values. The Index Change will be calculated using the Index Value on the Term Start Date and Term End Date (unless you exercise a Performance Capture). The use of a Point-to-Point crediting method results in your Index Credit Rate being calculated at a single point in time, even for a Strategy Account Option with a multi-year Term.</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P1Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.05 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P1Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.04 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P1Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.05 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P1Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.05 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P1Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.05 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P1Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.05 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P1Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.05 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P3Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P3Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P3Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P3Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">MSCI EAFE Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P3Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate </span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P3Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.12 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.30 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Enhanced </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1.01 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.30 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.24 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Enhanced </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1.01 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.24 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.30 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">with Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.24 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Annual</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Application of</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap and Buffer</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap Secure</span> 0.10 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.05 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Secure Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.24 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">MCSI EAFE Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.24 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Participation and </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 1 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual or</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Automatic</span> 0.24 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;"> Index</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Market Index</span> P6Y <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Point-to-Point </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Dual Direction </span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Trigger with Cap</span> 0.20 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Buffer Rate</span> 0.24 <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Trigger Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Manual</span> 0.24 <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;">Each Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities comprising the Index. This will cause the Index to underperform in comparison to a direct investment in a total return Index.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Buffer Rates for all Strategy Account Options will not change from one Term to the next for so long as that Strategy Account Option remains available under the Contract. The minimum guaranteed Buffer Rate that we offer under any Strategy Account Option is 10%. We reserve the right to add and remove Strategy Account Options as available investment options. As such, the Buffer Rates offered under the Contract for new Strategy Account Options may change from one Term to the next. There is no guarantee that Strategy Account Options that limit Index losses will always be offered. If only one Strategy Account Option is available you will be limited to investing in only that Strategy Account Option with terms that may not be acceptable to you, including one that does not limit losses, which would mean risk of loss of the entire amount invested. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The minimum guaranteed rates that may be established under the Contract for each type of Index gains are: Cap Rate (no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">4</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%), Cap Secure Rate (no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">5</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%), Participation Rate (no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%), and Trigger Rate (no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">5</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">%).</span> 0.04 0.05 1 0.05 <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-decoration:underline;">Fixed Account Option </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following is the Fixed Account Option currently available under the Contract. We may change the features and/or Term of the Fixed Account Option listed below, offer new Fixed Account Options and terminate existing Fixed Account Options. We will provide you with at least 10 days written notice before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Allocation Accounts – Fixed Account Option”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> in the prospectus for a description of the Fixed Account Option’s features.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-decoration:underline;">Fixed Account Option </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The following is the Fixed Account Option currently available under the Contract. We may change the features and/or Term of the Fixed Account Option listed below, offer new Fixed Account Options and terminate existing Fixed Account Options. We will provide you with at least 10 days written notice before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See “Allocation Accounts – Fixed Account Option”</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> in the prospectus for a description of the Fixed Account Option’s features.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:22.5pt;"> <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:180.17pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Name</span></div></div></td> <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:179.67pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:180.16pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Minimum Guaranteed</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Interest Rate</span></div></div></td></tr> <tr style="height:11.0pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180.17pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Fixed Account Option</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:179.67pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1-Year</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180.16pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The availability of the Fixed Account Option may vary depending on the broker-dealer firm through which the Contract is sold. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">See "Appendix E: Broker-Dealer Variations" in the prospectus for additional information. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;text-decoration:underline;">Performance Capture Fixed Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For all Strategy Account Options, the Performance Capture Fixed Rate is a short-term fixed rate that is applied to the Performance Capture amounts from the Performance Capture Date until the next Contract Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We may change the Performance Capture Fixed Rate at any time at our discretion subject to the following annual guaranteed minimum interest rates:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:22.5pt;"> <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:180.17pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Name</span></div></div></td> <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:179.67pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:180.16pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Minimum Guaranteed</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Interest Rate</span></div></div></td></tr> <tr style="height:26.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180.17pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Performance Capture Fixed Rate</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">(Available for all Strategy Account Options)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:179.67pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Applies from the Performance Capture Date until </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">the next Contract Anniversary</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180.16pt;"> <div style="line-height:9.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">1.00%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Fixed Account Option</span> P1Y 0.0100 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-decoration:underline;text-decoration:underline;">Performance Capture Fixed Rate </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">For all Strategy Account Options, the Performance Capture Fixed Rate is a short-term fixed rate that is applied to the Performance Capture amounts from the Performance Capture Date until the next Contract Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">We may change the Performance Capture Fixed Rate at any time at our discretion subject to the following annual guaranteed minimum interest rates:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">Performance Capture Fixed Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;margin-left:0.0pt;">(Available for all Strategy Account Options)</span> 0.0100 <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;"> Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The “S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index” is a product of S&amp;P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by The United States Life Insurance Company in the City of New York (“US Life”). Standard’s &amp; Poor’s Standard’s &amp; Poor’s</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">, S&amp;P</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">, and S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">, are trademarks of S&amp;P Global, Inc. or its affiliates (“S&amp;P”); Dow Jones</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by US Life. It is not possible to invest directly in an index. Corebridge MarketLock</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Annuity NY is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;P, any of their respective affiliates (collectively, “S&amp;P Dow Jones Indices”). S&amp;P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the Corebridge MarketLock</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Annuity NY or any member of the public regarding the advisability of investing in securities generally or in Corebridge MarketLock</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Annuity NY particularly or the ability of the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&amp;P Dow Jones Indices’ only relationship to US Life with respect to the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&amp;P Dow Jones Indices and/or its licensors. The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index is determined, composed and calculated by S&amp;P Dow Jones Indices without regard to US Life or the Corebridge MarketLock</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Annuity NY. S&amp;P Dow Jones Indices have no obligation to take the needs of US Life or the owners of Corebridge MarketLock</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Annuity NY into consideration in determining, composing or calculating the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index. S&amp;P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of Corebridge MarketLock</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Annuity NY. There is no assurance that investment products based on the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index will accurately track index performance or provide positive investment returns. S&amp;P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&amp;P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">NEITHER S&amp;P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. 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WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">MSCI EAFE Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">THIS PRODUCT IS NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI INC. ("MSCI"), ANY OF ITS AFFILIATES, ANY OF ITS INFORMATION PROVIDERS OR ANY OTHER THIRD PARTY INVOLVED IN, OR RELATED TO, COMPILING, COMPUTING OR CREATING ANY MSCI INDEX (COLLECTIVELY, THE "MSCI PARTIES"). THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMES ARE SERVICE MARK(S) OF MSCI OR ITS AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-transform:uppercase;">The United States Life Insurance Company in the City of New York</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">. NONE OF THE MSCI PARTIES MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY REGARDING THE ADVISABILITY OF INVESTING IN PRODUCTS GENERALLY OR IN THIS PRODUCT PARTICULARLY OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE. MSCI OR ITS AFFILIATES ARE THE LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS AND TRADE NAMES AND OF THE MSCI INDEXES WHICH ARE DETERMINED, COMPOSED AND CALCULATED BY MSCI WITHOUT REGARD TO THIS PRODUCT OR THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY. NONE OF THE MSCI PARTIES HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY INTO CONSIDERATION IN DETERMINING, COMPOSING OR CALCULATING THE MSCI INDEXES. NONE OF THE MSCI PARTIES IS RESPONSIBLE FOR OR HAS PARTICIPATED IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THIS PRODUCT TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY OR THE CONSIDERATION INTO WHICH THIS PRODUCT IS REDEEMABLE. FURTHER, NONE OF THE MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY IN CONNECTION WITH THE ADMINISTRATION, MARKETING OR OFFERING OF THIS PRODUCT. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">ALTHOUGH MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION OF THE MSCI INDEXES FROM SOURCES THAT MSCI CONSIDERS RELIABLE, NONE OF THE MSCI PARTIES WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE ISSUER OF THE PRODUCT, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES SHALL HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. FURTHER, NONE OF THE MSCI PARTIES MAKES ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, AND THE MSCI PARTIES HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO EACH MSCI INDEX AND ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL ANY OF THE MSCI PARTIES HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">No purchaser, seller or holder of this security, product or Product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this security without first contacting MSCI to determine whether MSCI's permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:10.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;text-decoration:underline;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;text-decoration:underline;"> Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The annuity product to which this disclosure applies (the “Product”) has been developed solely by </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;text-transform:uppercase;">The United States Life Insurance Company in the City of New York</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> (“US Life”). The “Product” is not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">All rights in the Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;"> Index (the “Index”) vest in the relevant LSE Group company which owns the Index. “Russell</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">”, “Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">”, “FTSE</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">” “Russell</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">”, and “FTSE Russell</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">” are trade mark(s) of the relevant LSE Group companies and are used by any other LSE Group company under license. “TMX</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">” is a trade mark of TSX, Inc. and used by the LSE Group under license. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) the purchase of or operation of the “Product”. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the “Product” or the suitability of the Index for the purpose to which it is being put by US Life.</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;line-height:12.00pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">The following examples demonstrate how Withdrawals impact the Return of Purchase Payment Death Benefit. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The examples are based on a hypothetical contract over an extended period of time and do not assume any specific rate of return nor do they represent how your Contract will actually perform. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Example 1: Initial Values </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The values shown below are based on the assumption of a Purchase Payment of $250,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:22.5pt;"> <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:115.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Values as of</span></div></div></td> <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:106.25pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Purchase Payment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Invested</span></div></div></td> <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:106.25pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Contract Value</span></div></div></td> <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:106.25pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Net Purchase Payments </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">(“NPP”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.75pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Return of Purchase </span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Payment Death Benefit</span></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:115.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Contract Issue Date</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:106.25pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$250,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:106.25pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$250,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:106.25pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$250,000</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:105.75pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$250,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;font-weight:bold;">Example 2: Impact of Withdrawals on Net Purchase Payments </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The values shown below are based on the assumptions stated in Example 1 above, in addition to the following: </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A Withdrawal of $15,000 was taken in the third Contract Year. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">A Withdrawal of $23,000 was taken in the fourth Contract Year.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:22.5pt;"> <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:115.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Values as of</span></div></div></td> <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:85pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Assumed Contract </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Value</span></div></div></td> <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:85pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Withdrawal Taken</span></div></div></td> <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:85pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Contract Value after </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Withdrawal</span></div></div></td> <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:85pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Net Purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Payments (“NPP”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:84.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Assumed Payment </span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:8.0pt;font-weight:bold;">Death Benefit</span></div></div></td></tr> <tr style="height:14.75pt;"> <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:115.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Contract Year 3</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$300,000</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$15,000</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$285,000</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$237,500</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$285,000</span></div></div></td></tr> <tr style="height:14.75pt;"> <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:115.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">3rd Contract Anniversary</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$265,000</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$265,000</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$237,500</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$265,000</span></div></div></td></tr> <tr style="height:14.75pt;"> <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:115.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">Contract Year 4</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$230,000</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$23,000</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$207,000</span></div></div></td> <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:85pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$213,750</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:84.5pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$213,750</span></div></div></td></tr> <tr style="height:11.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:115.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">4th Contract Anniversary</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:85pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$220,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:85pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">N/A</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:85pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$220,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:85pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$213,750</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:84.5pt;"> <div style="line-height:10.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;">$220,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">•</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">The Net Purchase Payments reduced in the same proportion by which the Contract Value is reduced by Withdrawal amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">○</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In Contract Year 3, the reduction proportion was 5.0% ($15,000/$300,000); the reduced NPP was $237,500 ($250,000 x [1 – 5.0%]). The Return of Purchase Payment Death Benefit was $285,000. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">○</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">In Contract Year 4, the reduction proportion was 10.0% ($23,000/$230,000); the reduced NPP was $213,750 ($237,500 x [1 – 10.0%]). The Return of Purchase Payment Death Benefit was $213,750. </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Note: In Contract Year 3 the reduction proportion of 5.0% has less impact to the Net Purchase Payments because Contract Value was greater than NPP: The $15,000 Withdrawal reduced NPP by $12,500. Compared to Contract Year 4, the reduction proportion of 10.0% has a higher impact because Contract Value was less than the NPP: The $23,000 Withdrawal reduced NPP by $23,750. </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Item 31a.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:11.1600pt;">  </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Information about Contracts with Index-Linked Options and Fixed Options Subject to a Contract Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(a)</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:0.00pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:62pt;"> <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:105.67pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Name of</span></div> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">the Contract</span></div></div></td> <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:55.6pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Number of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Contracts</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">outstanding</span></div></div></td> <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:92.94pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Total value</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">attributable to the</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Index-Linked Option</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">and/or Fixed Option</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">subject to a</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Contract Adjustment</span></div></div></td> <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:64.15pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Number of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Contracts</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">sold during</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">the prior</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">calendar year</span></div></div></td> <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:88.36pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Gross premiums</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">received during the</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">prior calendar year</span></div></div></td> <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:74.86pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Amount of</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Contract value</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">redeemed</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">during the prior</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">calendar year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:58.43pt;"> <div style="line-height:10.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Combination</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">Contract</span></div> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:9.0pt;font-weight:bold;">(Yes/No)</span></div></div></td></tr> <tr style="height:34.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:105.67pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Corebridge</span></div> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">MarketLock</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span> </div> <div style="margin-left:3pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Annuity NY</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:55.6pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">21</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:92.94pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">$6,634,357.63</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:64.15pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">21</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:88.36pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">$5,116,028.45</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:74.86pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">$0</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:58.43pt;"> <div style="line-height:11.00pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">No</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">(b) The current limits on Index gains in effect for each Index-Linked Option during the twelve months ending on December 31 of the prior year are provided in Item 27 Exhibit (r).</span> <span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Corebridge</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">MarketLock</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10.0pt;">Annuity NY</span> 21 6634357.63 21 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