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2026-09-25 2026-09-25 pure iso4217:USD N-4 ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Options.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Contract currently offers Index Options with different types of Crediting Methods, including Index Precision Strategy, Index Dual Precision Strategy, and Index Performance Strategy.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We credit positive, zero, or negative Performance Credits (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, positive, zero, or negative interest) at the end of a Term for amounts allocated to an Index Option based, in part, on the performance of the applicable Index (the Index Return).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option offers a certain level of protection from negative Index Returns.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option offers a certain level of protection from negative Index Returns.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each available Index Option includes a Buffer that provides limited protection from negative Index Returns. You may lose a significant amount of money if an Index declines in value.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">○ </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Buffer</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> – A Buffer is the maximum amount of negative Index Return that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">we</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb before applying a negative Performance Credit. For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, we apply a Performance Credit of -15%, meaning your Contract Value allocated to that Index Option will decrease by 15% since the Term Start Date. This reflects the negative Index Return that exceeds the protection of the 10% Buffer.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option.</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we offer a new Index Option with a Buffer in the future, the Buffer will be no lower than 5%.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option.</span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option also has an upside feature, either a Trigger Rate, Cap, and/or Participation Rate, used in the calculation of positive Performance Credits, if any, that may be credited to your investment at the end of a Term. We may limit the amount you can earn on an Index Option based on the Trigger Rate, Cap or Participation Rate, as applicable.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Trigger Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> – A Trigger Rate represents the positive Performance Credit, if any, that may apply on the Term End Date. The Index Precision Strategy and Index Dual Precision Strategy offer Index Options with a Trigger Rate.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">○ </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Precision Strategy, the Trigger Rate will apply if the Index Return is positive or zero. For example, if at the end of a Term, the Index Return is 6% and the Trigger Rate is 3%, we apply a Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">○ </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Dual Precision Strategy, the Trigger Rate will apply if the Index Return is positive, zero, or to a limited extent, negative. For example, assume a Trigger Rate of 3% and a Buffer of 10%. If at the end of a Term, the Index Return is positive, zero, or negative but no lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, not in excess of the Buffer), we apply a positive Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date. However, if the negative Index Return were lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, in excess of the Buffer), we apply a negative Performance Credit equal to the negative Index Return plus the Buffer, as previously summarized above.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Cap</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> – A Cap represents the maximum positive Performance Credit, if any, applied on a Term End Date. For example, if at the end of a Term, the Index Return is 12% and the Cap is 10%, we apply a Performance Credit of 10%, meaning your Contract Value allocated to that Index Option will increase by 10% since the Term Start Date. The Index Performance Strategy offers Index Options with a Cap. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate (as described below).</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> – A Participation Rate is the percentage that is multiplied by a positive Index Return in calculating a positive Performance Credit, if any, subject to any applicable Cap. For example, if at the end of a Term, the Participation Rate is 100%, the Cap is 15%, and the Index Return is 12% (which is lower than the Cap), we apply a Performance Credit of 12% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 100% x 12%). However, if the Index Return were instead 20% (which is higher than the Cap), we would apply the Cap and a Performance Credit of 15% would be applied. Index Performance Strategy multi-year Term Index Options have both a Participation Rate and a Cap.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Trigger Rate, Cap, and/or Participation Rate for an Index Option will change from Term to Term, subject to a specified guaranteed minimum that will not change for the life of that Index Option. Guaranteed minimum Trigger Rates, Caps, and/or Participation Rates vary by Index Option.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we add a new Index Option to the Contract in the future, the lowest Trigger Rate, Cap, and Participation Rate that we may establish are 3%, 3%, and 100%, respectively. For example, if the Trigger Rate or Cap for a new Index Option is 3% and the Index Return is 10%, a 3% Performance Credit would be applied. Similarly, if the Participation Rate for a new Index Option is 100%, the Index Option is uncapped, and the Index Return is 10%, a 10% Performance Credit would be applied.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Subject to the following parameters, with at least seven days’ notice, we may make certain Index Options temporarily unavailable for a year or more if we are unable to support the minimum Trigger Rate or Cap due to yield on investments or the availability or cost of hedging. We cannot make an Index Option temporarily unavailable for any other reason. This period of temporary unavailability could last a year or more. The Temporarily Unavailable Identifier column in the table below indicates the Index Option groups that can be made temporarily unavailable on the Index Effective Date or an Index Anniversary (or both):</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">cannot</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> make Group A Index Options temporarily unavailable on the Index Effective Date or an Index Anniversary.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can make Group B Index Options temporarily unavailable on the Index Effective Date or an Index Anniversary (or both).</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can make Group C Index Options temporarily unavailable on an Index Anniversary occurring on or after the sixth Index Anniversary.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can make all Index Options temporarily unavailable for Early Reallocation at any time, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">which means there may be times when Early Reallocation is unavailable to you.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:24.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Currently Available Crediting Methods,</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Term Lengths and Buffers</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Temporarily Unavailable Identifier</span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Dual Precision Strategy</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term with 10% Buffer</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Group B</span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Precision Strategy</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term with 10% Buffer</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Group C</span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Performance Strategy</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term with 10%, 20%, or 30% Buffer</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Group A for 10% Buffer</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Group C for 20% or 30% Buffer</span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Performance Strategy</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3-year Term with 10%, 20%, or 30% Buffer</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Group A for 10% Buffer</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Group C for 20% or 30% Buffer</span></div> </div> </td> </tr> <tr style="height:25.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Performance Strategy</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6-year Term with 10%, 20%, or 30% Buffer</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Group A for 10% Buffer</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Group C for 20% or 30% Buffer</span></div> </div> </td> </tr> </table> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Once we make an Index Option temporarily unavailable, it may continue to be unavailable so long as we are unable to support its minimum Trigger Rate or Cap. However, we cannot make an Index Option permanently unavailable, remove it after we issue your Contract, or make an Index Option to which you are currently allocated temporarily unavailable during its Term. A temporarily unavailable Index Option will become available once we can support its minimum Trigger Rate or Cap. The minimum Early Reallocation Trigger Rate or Cap will be at least equal to the minimums stated above, but could be higher. (For more information see the examples in section 6, Valuing Your Contract – Early Reallocations.)</span></div> Each Index Option also has an upside feature, either a Trigger Rate, Cap, and/or Participation Rate, used in the calculation of positive Performance Credits, if any, that may be credited to your investment at the end of a Term. Before the end of an Index Option’s Term, if you take any type of withdrawal, execute a Performance Lock, begin Annuity Payments, or if we pay a death benefit or deduct a fee or expense, we base the transaction on the interim Index Option Value, which includes the Daily Adjustment. The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment can be positive, zero, or negative. <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">The Daily Adjustment fluctuates daily and, if it is negative, you could lose a significant amount of money.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Daily Adjustment could result in a loss beyond the protection of the Buffer. The Daily Adjustment could reflect significantly less gain, or more loss than we would apply to an Index Option at the end of a Term. If you have Index Options with different Term End Dates, there </span> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">may be no time that any such transaction can be performed without the application of at least one Daily Adjustment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Additionally, if within six years after we receive a Purchase Payment, you take a full or partial withdrawal, such transactions are subject to a withdrawal charge, which may cause you to lose a significant amount of money.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">FEES, EXPENSES, AND ADJUSTMENTS</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</span></div> </div> </td> </tr> <tr style="height:203pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges or </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">for Early </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes,</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> your Contract is subject to charges for early withdrawals. If you withdraw money from </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract within six years of your last Purchase Payment, you will be assessed a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge of up to 8% of the Purchase Payment withdrawn, declining to 0% over </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">that time period. For example, if you invest $100,000 in the Contract and make an early </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal, you could pay a withdrawal charge of up to $8,000. This loss will be greater if </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">there is a negative Daily Adjustment, income taxes, or tax penalties.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">In addition, if you take a full or partial withdrawal from an Index Option on a date other than </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term End Date, a Daily Adjustment will apply to the Index Option Value available for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal. The Daily Adjustment also applies if before the Term End Date you execute a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract fees and expenses. The Daily Adjustment may be positive, negative, or equal to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">zero. A negative Daily Adjustment will result in a loss, and could result in a loss beyond the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">protection of the 10%, 20%, or 30% Buffer, as applicable. The maximum potential loss from </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a negative Daily Adjustment is -99%. For example, if you allocate $100,000 to a 1-year </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term Index Option with 10% Buffer and later withdraw the entire amount before the Term </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">has ended, you could lose up to $99,000 of your investment. This loss will be greater if you </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">also have to pay a withdrawal charge, income taxes, and tax penalties.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix C – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustment</span></div> </div> </td> </tr> <tr style="height:38pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Other than withdrawal charges and Daily Adjustments that may apply to withdrawals </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and other transactions under the Contract, there are no other transaction charges.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not Applicable</span></div> </div> </td> </tr> <tr style="height:126pt;"> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses?</span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, there are ongoing fees and expenses. The table below describes the fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses that you may pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, depending on the options you choose. Please refer </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to your Contract specifications page for information about the specific fees you will pay </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> based on the options you have elected.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">There is an implicit ongoing fee on Index Options to the extent that your participation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">in Index gains is limited by us through a Cap or Trigger Rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> This means that your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns may be lower than the Index’s returns. In return for accepting this limit on Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">gains, you will receive some protection from Index losses. This implicit ongoing fee is not </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reflected in the tables below.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> </div> </td> <td rowspan="4" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix A – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options Available </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Under the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Base Contract</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.26%</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.26%</span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Fund fees and expenses)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> </td> </tr> <tr style="height:38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an additional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charge</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(for a single optional benefit, if elected)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Not Applicable</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Not Applicable</span></div> </div> </td> <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:20pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Variable Option’s average net assets, plus an amount attributable to the contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">maintenance charge based on expected Contract sales.</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:10pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:0.875pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:0.875pt;vertical-align:Top;width:343pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</span> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"> <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the AZL Government Money Market Fund's average daily net assets.</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:0.875pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> </table> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">FEES, EXPENSES, AND ADJUSTMENTS</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect how much you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay. To help you understand the cost of owning your Contract, the following table shows the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lowest and highest cost you could pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assumes that you do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">could add a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">withdrawal charge and a negative Daily Adjustment that substantially increase costs.</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,761</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,761</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Assumes:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges or </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">for Early </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes,</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> your Contract is subject to charges for early withdrawals. If you withdraw money from </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract within six years of your last Purchase Payment, you will be assessed a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge of up to 8% of the Purchase Payment withdrawn, declining to 0% over </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">that time period. For example, if you invest $100,000 in the Contract and make an early </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal, you could pay a withdrawal charge of up to $8,000. This loss will be greater if </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">there is a negative Daily Adjustment, income taxes, or tax penalties.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">In addition, if you take a full or partial withdrawal from an Index Option on a date other than </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term End Date, a Daily Adjustment will apply to the Index Option Value available for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal. The Daily Adjustment also applies if before the Term End Date you execute a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract fees and expenses. The Daily Adjustment may be positive, negative, or equal to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">zero. A negative Daily Adjustment will result in a loss, and could result in a loss beyond the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">protection of the 10%, 20%, or 30% Buffer, as applicable. The maximum potential loss from </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a negative Daily Adjustment is -99%. For example, if you allocate $100,000 to a 1-year </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term Index Option with 10% Buffer and later withdraw the entire amount before the Term </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">has ended, you could lose up to $99,000 of your investment. This loss will be greater if you </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">also have to pay a withdrawal charge, income taxes, and tax penalties.</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix C – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustment</span></div> 6 0.08 8000 <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Other than withdrawal charges and Daily Adjustments that may apply to withdrawals </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and other transactions under the Contract, there are no other transaction charges.</span></div> </div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not Applicable</span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses?</span></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, there are ongoing fees and expenses. The table below describes the fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses that you may pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, depending on the options you choose. Please refer </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to your Contract specifications page for information about the specific fees you will pay </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> based on the options you have elected.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">There is an implicit ongoing fee on Index Options to the extent that your participation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">in Index gains is limited by us through a Cap or Trigger Rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> This means that your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns may be lower than the Index’s returns. In return for accepting this limit on Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">gains, you will receive some protection from Index losses. This implicit ongoing fee is not </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reflected in the tables below.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix A – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options Available </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Under the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Base Contract</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> </div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.26%</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.26%</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Fund fees and expenses)</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an additional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charge</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(for a single optional benefit, if elected)</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Not Applicable</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Not Applicable</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Variable Option’s average net assets, plus an amount attributable to the contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">maintenance charge based on expected Contract sales.</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</span> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"> <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the AZL Government Money Market Fund's average daily net assets.</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">FEES, EXPENSES, AND ADJUSTMENTS</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect how much you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay. To help you understand the cost of owning your Contract, the following table shows the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lowest and highest cost you could pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assumes that you do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">could add a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">withdrawal charge and a negative Daily Adjustment that substantially increase costs.</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,761</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,761</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Assumes:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> 0.0126 0.0126 0.0066 0.0066 <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Variable Option’s average net assets, plus an amount attributable to the contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">maintenance charge based on expected Contract sales.</span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the AZL Government Money Market Fund's average daily net assets.</span> <div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect how much you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay. To help you understand the cost of owning your Contract, the following table shows the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lowest and highest cost you could pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assumes that you do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">could add a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">withdrawal charge and a negative Daily Adjustment that substantially increase costs.</span></div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,761</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,761</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Assumes:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> 1761 1761 <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:16pt;"> <td style="background-color: #D8D8D8; border-bottom: #000000 0.5pt solid; padding-bottom: 2.37pt; padding-top: 2.37pt; vertical-align: top"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="background-color: #D8D8D8; border-bottom: #000000 0.5pt solid; border-right: #000000 0.5pt solid; padding-bottom: 2.37pt; padding-top: 2.37pt; vertical-align: bottom"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</span></div> </div></td> <td style="background-color: #D8D8D8; border-bottom: #000000 0.5pt solid; padding-bottom: 2.37pt; padding-top: 2.37pt; vertical-align: top"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:126pt;"> <td style="border-bottom: #000000 0.5pt solid; border-right: #000000 0.5pt solid; padding-bottom: 2.37pt; padding-top: 2.37pt; vertical-align: top"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is There a Risk </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of Loss from </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Poor </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance?</span></div> </div> </td> <td colspan="3" style="border-bottom: #000000 0.5pt solid; border-right: #000000 0.5pt solid; padding-bottom: 2.37pt; padding-top: 2.37pt; vertical-align: top"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, you can lose money by investing in the Contract, including loss of principal and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">previous earnings.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The maximum amount of loss that you could experience from negative Index Return, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after taking into account the current limits on Index loss provided under the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract, is: -90% with a 10% Buffer; -80% with a 20% Buffer; and -70% with a 30% </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Buffer.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The limits on Index loss offered under the Contract may change from one Term to the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">next if we add an Index Option.</span></div> </div> </td> <td style="border-bottom: #000000 0.5pt solid; padding-bottom: 2.37pt; padding-top: 2.37pt; vertical-align: top"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investing In the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">  </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Index Options</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6. Valuing Your </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Calculating </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Credits</span></div> </div> </td> </tr> <tr style="height:299pt;"> <td style="border-right: #000000 0.5pt solid; padding-bottom: 2pt; padding-top: 2.37pt; vertical-align: top"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is This a </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Short-Term </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment?</span></div> </div> </td> <td colspan="3" style="border-right: #000000 0.5pt solid; padding-bottom: 2pt; padding-top: 2.37pt; vertical-align: top"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, this Contract is not a short-term investment and is not appropriate if you need ready </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">access to cash.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Considering the benefits of tax deferral and long-term income, the Contract is generally </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">more beneficial to investors with a long investment time horizon.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals are subject to income taxes, and may also be subject to a 10% additional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax for amounts withdrawn before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If, within six years after we receive a Purchase Payment, you take a full or partial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal, withdrawal charges will apply. A withdrawal charge will reduce your Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value or the amount of money that you actually receive. Withdrawals may reduce or end </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract guarantees.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Amounts invested in an Index Option must be held in the Index Option for the full Term </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before they can receive a Performance Credit. We apply a Daily Adjustment, if before the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date, you take a full or partial withdrawal, you execute a Performance Lock, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you annuitize the Contract, we pay a death benefit, or we deduct Contract fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">expenses.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Daily Adjustment may be negative. You will lose money if the Daily Adjustment is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals and other deductions from an Index Option prior to a Term End Date will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">result in a proportionate reduction to your Index Option Base. The proportionate reduction </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">could be greater than the amount withdrawn or deducted. Reductions to your Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Option Base will result in lower Index Option Values for the remainder of the Term and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">lower gains (if any) on the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On the Term End Date, you can transfer assets invested in an Index Option by changing </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your allocation instructions. If you do not change your allocation instructions, you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">continue to be invested in the same Index Option with a new Term Start Date. The new </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term will be subject to the applicable renewal Trigger Rate, Cap, and/or Participation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Rate.</span></div> </div> </td> <td style="padding-bottom: 2pt; padding-top: 2.37pt; vertical-align: top"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investing In the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Index Options</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6. Valuing Your </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix C – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Prospectus</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</span></div> </div> </td> </tr> <tr style="height:280pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with the </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options?</span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• An investment in the Contract is subject to the risk of poor investment performance and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">can vary depending on the performance of the Variable Option and the Index Options </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available under the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Variable Option and each Index Option have their own unique risks.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You should review the Fund’s prospectus and disclosures, including risk factors, before </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">making an investment decision.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Caps and Trigger Rates will limit positive Performance Credits (e.g., limited upside). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">may result in earning less than the Index Return.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if at the end of a 1-year Term, the Index Return is 25% and the Cap is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">15%, we apply a Performance Credit of 15%, meaning your Contract Value allocated </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">to that Index Option will increase by 15% since the Term Start Date. If at the end of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Term, the Index Return is 6% and the Trigger Rate is 10%, we apply a Performance </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Credit of 10%, meaning your Contract Value allocated to that Index Option will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">increase by 10% since the Term Start Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Buffer will limit negative Performance Credits (e.g., limited protection in the case of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index decline). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">However, you bear the risk for all Index losses that exceed the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Buffer.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">we apply a Performance Credit of -15%, meaning your Contract Value allocated to that </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Index Option will decrease by 15% since the Term Start Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Indexes are price return indexes, not total return indexes. This means that the Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options do not receive any dividends payable on these securities. The Index Options also </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">do not directly participate in the returns of the Indexes or the Indexes' component </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">securities. This will reduce the Index Return and may cause the Index to underperform a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">direct investment in the securities composing the Index.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investing In the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> </div> </td> </tr> <tr style="height:79pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks Related </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">to the </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Company?</span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to us. All obligations, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">guarantees or benefits of the Contract, including those relating to the Index Options, are the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">obligations of Allianz Life of New York and are subject to our claims-paying ability and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">financial strength. More information about Allianz Life of New York, including our financial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">strength ratings, is available upon request by visiting </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">https://www.allianzlife.com/new-york/about/why-allianz-life-of-ny, or contacting us at (800) </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">624-0197.</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investing In the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> </div> </td> </tr> </table> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, you can lose money by investing in the Contract, including loss of principal and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">previous earnings.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The maximum amount of loss that you could experience from negative Index Return, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after taking into account the current limits on Index loss provided under the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract, is: -90% with a 10% Buffer; -80% with a 20% Buffer; and -70% with a 30% </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Buffer.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The limits on Index loss offered under the Contract may change from one Term to the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">next if we add an Index Option.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, this Contract is not a short-term investment and is not appropriate if you need ready </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">access to cash.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Considering the benefits of tax deferral and long-term income, the Contract is generally </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">more beneficial to investors with a long investment time horizon.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals are subject to income taxes, and may also be subject to a 10% additional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax for amounts withdrawn before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If, within six years after we receive a Purchase Payment, you take a full or partial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal, withdrawal charges will apply. A withdrawal charge will reduce your Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value or the amount of money that you actually receive. Withdrawals may reduce or end </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract guarantees.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Amounts invested in an Index Option must be held in the Index Option for the full Term </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before they can receive a Performance Credit. We apply a Daily Adjustment, if before the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date, you take a full or partial withdrawal, you execute a Performance Lock, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you annuitize the Contract, we pay a death benefit, or we deduct Contract fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">expenses.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Daily Adjustment may be negative. You will lose money if the Daily Adjustment is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals and other deductions from an Index Option prior to a Term End Date will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">result in a proportionate reduction to your Index Option Base. The proportionate reduction </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">could be greater than the amount withdrawn or deducted. Reductions to your Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Option Base will result in lower Index Option Values for the remainder of the Term and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">lower gains (if any) on the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On the Term End Date, you can transfer assets invested in an Index Option by changing </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your allocation instructions. If you do not change your allocation instructions, you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">continue to be invested in the same Index Option with a new Term Start Date. The new </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term will be subject to the applicable renewal Trigger Rate, Cap, and/or Participation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Rate.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• An investment in the Contract is subject to the risk of poor investment performance and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">can vary depending on the performance of the Variable Option and the Index Options </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available under the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Variable Option and each Index Option have their own unique risks.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You should review the Fund’s prospectus and disclosures, including risk factors, before </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">making an investment decision.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Caps and Trigger Rates will limit positive Performance Credits (e.g., limited upside). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">may result in earning less than the Index Return.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if at the end of a 1-year Term, the Index Return is 25% and the Cap is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">15%, we apply a Performance Credit of 15%, meaning your Contract Value allocated </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">to that Index Option will increase by 15% since the Term Start Date. If at the end of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Term, the Index Return is 6% and the Trigger Rate is 10%, we apply a Performance </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Credit of 10%, meaning your Contract Value allocated to that Index Option will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">increase by 10% since the Term Start Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Buffer will limit negative Performance Credits (e.g., limited protection in the case of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index decline). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">However, you bear the risk for all Index losses that exceed the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Buffer.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">we apply a Performance Credit of -15%, meaning your Contract Value allocated to that </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Index Option will decrease by 15% since the Term Start Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Indexes are price return indexes, not total return indexes. This means that the Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options do not receive any dividends payable on these securities. The Index Options also </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">do not directly participate in the returns of the Indexes or the Indexes' component </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">securities. This will reduce the Index Return and may cause the Index to underperform a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">direct investment in the securities composing the Index.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to us. All obligations, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">guarantees or benefits of the Contract, including those relating to the Index Options, are the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">obligations of Allianz Life of New York and are subject to our claims-paying ability and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">financial strength. More information about Allianz Life of New York, including our financial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">strength ratings, is available upon request by visiting </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">https://www.allianzlife.com/new-york/about/why-allianz-life-of-ny, or contacting us at (800) </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">624-0197.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, there are limits on the Investment Options.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We can add new Index Options to your Contract in the future.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We restrict additional Purchase Payments during the Accumulation Phase. Each Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Year, you cannot add more than your initial amount (i.e., the total of all Purchase </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments received before the first Quarterly Contract Anniversary of the first Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Year).</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We do not accept additional Purchase Payments during the Annuity Phase.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We typically only allow assets to move into the Index Options on the Index Effective Date </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and on subsequent Index Anniversaries as discussed in section 3, Purchasing the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract – Allocation of Purchase Payments and Contract Value Transfers. However, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Early Reallocation allows you to transfer assets to the Index Options before the next </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Anniversary subject to certain restrictions. If you execute an Early Reallocation, we </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">will move assets into the Index Options on the Business Day we receive your Early </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Reallocation request in Good Order. The Index Performance Strategy 6-year Term Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options are not available as a destination for Early Reallocation, but they can be a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">source.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You can typically transfer Index Option Value only on Term End Dates. However, you can </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">transfer all assets out of an Index Option before the Term End Date by first executing a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock and then either requesting an Early Reallocation with new allocation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">instructions or changing your allocation instructions before the next Index Anniversary. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">For more information, see “Performance Locks” and “Early Reallocation” in section 6, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Valuing Your Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We do not allow assets to move into an established Index Option until the Term End Date. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">If you request to allocate a Purchase Payment into an established Index Option on an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Anniversary that is not a Term End Date, we will allocate those assets to the same </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option with a new Term Start Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• With notice, we may make certain Index Options temporarily unavailable for a year or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">more if we are unable to support the minimum Trigger Rate or Cap on that Index Option.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">cannot</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> make Group A Index Options temporarily unavailable on the Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Effective Date or an Index Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We can make Group B Index Options temporarily unavailable on the Index Effective </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Date or an Index Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We can make Group C Index Options temporarily unavailable on an Index Anniversary </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">occurring on or after the sixth Index Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">(For more information on an Index Option’s temporary unavailability group, please see </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Overview of the Contract – What are the Phases of the Contract?) Once we make an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Index Option temporarily unavailable, it may continue to be unavailable so long as we </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">are unable to support its minimum Trigger Rate or Cap due to yield on investments or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">the availability or cost of hedging. We cannot make an Index Option temporarily </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">unavailable for any reason other than being unable to support its minimum Trigger </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Rate or Cap. We also cannot make an Index Option permanently unavailable, remove </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">it from the Contract after issue, or make an Index Option to which you are currently </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">allocated temporarily unavailable during its Term. A temporarily unavailable Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Option will become available once we can support its minimum Trigger Rate or Cap. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Although we cannot eliminate an Index Option from your Contract, we reserve the right </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">to substitute Indexes either on a Term Start Date or during a Term.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We can make all Index Options temporarily unavailable for Early Reallocation at any </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">time, which means there may be times when Early Reallocation is unavailable to you.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to substitute the Fund in which the Variable Option invests.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We can also decline a Purchase Payment if it does not meet the requirements set out in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">section 3, Purchasing the Contract – Purchase Requirements.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Caps, Trigger Rates, and Participation Rates will change from one Term to the next </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to their contractual minimum guarantees.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The 10%, 20%, and 30% Buffers for the currently available Index Options do not change. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">However, if we add a new Index Option to your Contract after the Issue Date, we </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">establish the Buffer for it on the date we add the Index Option to your Contract. For a new </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option, the minimum Buffer is 5%.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, there are restrictions on Contract benefits.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We do not allow Performance Locks to occur on Term End Dates.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We do not accept Early Reallocation requests before the Index Effective Date, or within </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">14 calendar days before an Index Anniversary. On October 13, 2026, the limit for Early </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Reallocations increases from 12 each Index Year to 24. Index Performance Strategy </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">6-year Term Index Options and the Variable Option are not available as a destination for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Early Reallocation, but they can be a source.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to discontinue or modify the Minimum Distribution Program.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Traditional Death Benefit is only available during the Accumulation Phase. Upon </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annuitization, this benefit will end.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Traditional Death Benefit may not be modified, but it will terminate if you take </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals that reduce both the Contract Value and Guaranteed Death Benefit Value to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">zero. Withdrawals may reduce the Traditional Death Benefit’s Guaranteed Death Benefit </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value by more than the value withdrawn and could end the Traditional Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Consult with a tax professional to determine the tax implications of an investment in and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals from or payments received under the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If you purchased the Contract as an individual retirement annuity or through a custodial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">individual retirement account, you do not get any additional tax benefit under the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally, earnings under a Non-Qualified Contract are taxed at ordinary income rates </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">when withdrawn, and may also be subject to a 10% additional federal tax for amounts </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawn before age 59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally, distributions from Qualified Contracts are taxed at ordinary income tax rates </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">when withdrawn, and may also be subject to a 10% additional federal tax for amounts </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawn before age 59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Your Financial Professional may receive compensation for selling this Contract to you, in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the form of commissions, additional cash benefits (e.g., cash bonuses), and non-cash </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">compensation. We and/or our wholly owned subsidiary distributor may also make marketing </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">support payments to certain selling firms for marketing services and costs associated with </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract sales. This conflict of interest may influence your Financial Professional to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">recommend this Contract over another investment for which the Financial Professional is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">not compensated or compensated less.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Whether to exchange your existing Contract for a new contract is a decision that each </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investor should make based on their personal circumstances and financial objectives. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">However, in making this decision you should be aware that some Financial Professionals </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">may have a financial incentive to offer you a new contract in place of one you already own. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You should only exchange your Contract if you determine, after comparing the features, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">risks, and fees of both contracts, including any fees or penalties to terminate your existing </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract, that it is better for you to purchase the new contract rather than continue to own </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your existing Contract.</span></div> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Fee Tables</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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 Investment Option or from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from an Investment Option or from the Contract, or transfer Contract Value between Investment Options. State premium taxes may also be deducted.</span></div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Transaction Expenses</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Charge During Your Contract’s First Phase, the Accumulation Phase</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(1)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(as a percentage of each Purchase Payment withdrawn)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;margin-left:134.76pt;width:224.48pt; border-spacing: 0px;"> <tr style="height:22.75pt;"> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:111.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:5.40%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Number of Complete Years</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Since Purchase Payment</span></div> </div> </div> </td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:113.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:5.29%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Charge Amount</span></div> </div> </div> </td> </tr> <tr style="height:12.75pt;"> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:111.12pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6 years or more</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Contract provides a free withdrawal privilege that allows you to withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 8, Access to Your Money – Free Withdrawal Privilege.</span></div> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:1.5pt;text-align:left;"> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Withdrawal Charge Basis is the total amount under your Contract that is subject to a withdrawal charge, as discussed in section 7, Expenses and Adjustments – Withdrawal Charge.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next table describes the Daily Adjustment, in addition to any transaction expenses, that applies if all or a portion of the Contract Value is removed from an Index Option before the end of a Term.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Adjustments</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:22.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:256.14pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:237.86pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.26%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Dual Precision Strategy, Index Precision Strategy, and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance Strategy</span></div> </div> </div> </td> </tr> <tr style="height:12.5pt;"> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:256.14pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:237.86pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:234.86pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">99%</span></div> </div> </div> </td> </tr> <tr style="height:23pt;"> <td style="padding-top:2pt;vertical-align:Top;width:256.14pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for distributions </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">from an Index Option before any Term End Date)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:237.86pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:234.86pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> </div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This table shows the maximum potential loss due to the application of the Daily Adjustment (e.g., maximum loss could occur if there is a total distribution within a Term at a time when the Index price has declined to zero). The Daily Adjustment could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer. The Daily Adjustment applies if, before the Term End Date, you take a full or partial withdrawal, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct Contract fees or expenses. The actual Daily Adjustment calculation is determined by a formula described in Appendix C.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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 (not including Fund fees and expenses).</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:26.5pt;"> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expenses (or contract maintenance charge)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> </div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(per year)</span></div> </div> </td> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00pt;">$50</span></div> </div> </td> </tr> <tr style="height:24.5pt;"> <td style="padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> </div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Variable Option’s average net assets)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.25%</span></div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “contract maintenance charge” in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. Also waived during the Annuity Phase. See section 7, Expenses and Adjustments – Contract Maintenance Charge (Administrative Expenses).</span></div> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:1pt;text-align:left;"> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “mortality and expense risk charge” in the Contract, or "M&amp;E charge" elsewhere in this prospectus. See section 7, Expenses and Adjustments – Base Contract Expenses (Mortality and Expense Risk (M&amp;E) Charge).</span></div> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:1pt;text-align:left;"> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(3)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as “a percentage of the Variable Option’s net asset value” in the Contract.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">In addition to the fees described above, we may limit the amount you can earn on the Index 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></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next item shows the total operating expenses charged by the Fund that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. More information about the Fund, including its annual expenses, may be found in Appendix A – Investment Options Available Under the Contract.</span></div> </div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Fund Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="vertical-align:Top;width:467.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Fund assets, including management fees,</span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div> </div> </td> <td style="vertical-align:Top;white-space:nowrap;width:26.25pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:23.25pt;"> <div style="display:flex;margin:auto;width:25.25pt;"> <div style="display:flex;white-space:nowrap;width:25.25pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Example</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">This Example is intended to help you compare the cost of investing in the Variable Option with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual Contract expenses, and annual Fund expenses.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Example assumes all Contract Value is allocated to the Variable Option. The Example does not reflect the Daily Adjustment. Your costs could differ from those shown below when you invest in the Index Options.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Example assumes that you invest $100,000 in the Variable Option for the time periods indicated. The Example also assumes that your investment has a 5% return each year. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:12.0pt;text-align:left;"> <div style="margin-top:12pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;margin-left:24pt;width:446pt; border-spacing: 0px;"> <tr style="height:9.5pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:262.42pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:40.08pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">1 Year</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">3 Years</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">5 Years</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:48.71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">10 Years</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:262.42pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(1) If you surrender your </span><a href="#bookmark__18e07927-9c71-43ba-b71a-8e723da6cb75"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> (take a full withdrawal) at the end of </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">the applicable time period:</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:40.08pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,134</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:31.04pt;"> <div style="display:flex;white-space:nowrap;width:31.04pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.04pt;">11,383</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">12,982</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">22,233</span></div> </div> </div> </td> </tr> <tr style="height:24pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:262.42pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2) If you annuitize your </span><a href="#bookmark__18e07927-9c71-43ba-b71a-8e723da6cb75"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> at the end of the applicable time </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">period.</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:40.08pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">N/A*</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:31.04pt;"> <div style="display:flex;white-space:nowrap;width:31.04pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.04pt;">5,983</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">10,282</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">22,233</span></div> </div> </div> </td> </tr> <tr style="height:11.5pt;"> <td style="padding-top:2.5pt;vertical-align:Top;width:262.42pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(3) If you do not surrender your </span><a href="#bookmark__18e07927-9c71-43ba-b71a-8e723da6cb75"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:40.08pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">1,934</span></div> </div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:31.04pt;"> <div style="display:flex;white-space:nowrap;width:31.04pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.04pt;">5,983</span></div> </div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">10,282</span></div> </div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">22,233</span></div> </div> </div> </td> </tr> </table> </div> <div> <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;"> <div style="float:left;line-height:10pt;text-align:left;width:4pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</span></div> <div style="float:left;line-height:10pt;margin-left:14pt;text-align:left;width:471.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The earliest available </span><a href="#bookmark__18e07927-9c71-43ba-b71a-8e723da6cb75"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Annuity Date</span></a><span style="color:#000000;font-family:Times New Roman;font-size:8pt;"> is 13 months after the </span><a href="#bookmark__18e07927-9c71-43ba-b71a-8e723da6cb75"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Issue Date</span></a><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">.</span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from an Investment Option or from the Contract, or transfer Contract Value between Investment Options. State premium taxes may also be deducted.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Transaction Expenses</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Charge During Your Contract’s First Phase, the Accumulation Phase</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(1)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(as a percentage of each Purchase Payment withdrawn)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span></div> <table cellpadding="0" style="empty-cells:show;margin-left:134.76pt;width:224.48pt; border-spacing: 0px;"> <tr style="height:22.75pt;"> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:111.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:5.40%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Number of Complete Years</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Since Purchase Payment</span></div> </div> </div> </td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:113.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:5.29%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Charge Amount</span></div> </div> </div> </td> </tr> <tr style="height:12.75pt;"> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:111.12pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:105.12pt;"> <div style="display:flex;margin:auto;width:6.56pt;"> <div style="display:flex;white-space:nowrap;width:6.56pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:111.12pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6 years or more</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:113.36pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:107.36pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div> </div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Contract provides a free withdrawal privilege that allows you to withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 8, Access to Your Money – Free Withdrawal Privilege.</span></div> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Withdrawal Charge Basis is the total amount under your Contract that is subject to a withdrawal charge, as discussed in section 7, Expenses and Adjustments – Withdrawal Charge.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next table describes the Daily Adjustment, in addition to any transaction expenses, that applies if all or a portion of the Contract Value is removed from an Index Option before the end of a Term.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Adjustments</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:22.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:256.14pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:237.86pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.26%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Dual Precision Strategy, Index Precision Strategy, and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance Strategy</span></div> </div> </div> </td> </tr> <tr style="height:12.5pt;"> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:256.14pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:237.86pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:234.86pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">99%</span></div> </div> </div> </td> </tr> <tr style="height:23pt;"> <td style="padding-top:2pt;vertical-align:Top;width:256.14pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for distributions </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">from an Index Option before any Term End Date)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:237.86pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:234.86pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> </div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This table shows the maximum potential loss due to the application of the Daily Adjustment (e.g., maximum loss could occur if there is a total distribution within a Term at a time when the Index price has declined to zero). The Daily Adjustment could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer. The Daily Adjustment applies if, before the Term End Date, you take a full or partial withdrawal, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct Contract fees or expenses. The actual Daily Adjustment calculation is determined by a formula described in Appendix C.</span></div> 0.08 <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Contract provides a free withdrawal privilege that allows you to withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 8, Access to Your Money – Free Withdrawal Privilege.</span> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Withdrawal Charge Basis is the total amount under your Contract that is subject to a withdrawal charge, as discussed in section 7, Expenses and Adjustments – Withdrawal Charge.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Adjustments</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:22.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:256.14pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:237.86pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.26%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Dual Precision Strategy, Index Precision Strategy, and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance Strategy</span></div> </div> </div> </td> </tr> <tr style="height:12.5pt;"> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:256.14pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:237.86pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:234.86pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">99%</span></div> </div> </div> </td> </tr> <tr style="height:23pt;"> <td style="padding-top:2pt;vertical-align:Top;width:256.14pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for distributions </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">from an Index Option before any Term End Date)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:237.86pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:234.86pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> </div> </div> </td> </tr> </table> 0.99 <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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 (not including Fund fees and expenses).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:26.5pt;"> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expenses (or contract maintenance charge)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> </div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(per year)</span></div> </div> </td> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00pt;">$50</span></div> </div> </td> </tr> <tr style="height:24.5pt;"> <td style="padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> </div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Variable Option’s average net assets)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.25%</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “contract maintenance charge” in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. Also waived during the Annuity Phase. See section 7, Expenses and Adjustments – Contract Maintenance Charge (Administrative Expenses).</span></div> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “mortality and expense risk charge” in the Contract, or "M&amp;E charge" elsewhere in this prospectus. See section 7, Expenses and Adjustments – Base Contract Expenses (Mortality and Expense Risk (M&amp;E) Charge).</span></div> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(3)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as “a percentage of the Variable Option’s net asset value” in the Contract.</span></div> 50 0.0125 <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “contract maintenance charge” in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. Also waived during the Annuity Phase. See section 7, Expenses and Adjustments – Contract Maintenance Charge (Administrative Expenses).</span> <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “mortality and expense risk charge” in the Contract, or "M&amp;E charge" elsewhere in this prospectus. See section 7, Expenses and Adjustments – Base Contract Expenses (Mortality and Expense Risk (M&amp;E) Charge).</span> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(3)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as “a percentage of the Variable Option’s net asset value” in the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next item shows the total operating expenses charged by the Fund that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. More information about the Fund, including its annual expenses, may be found in Appendix A – Investment Options Available Under the Contract.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Fund Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="vertical-align:Top;width:467.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Fund assets, including management fees,</span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div> </div> </td> <td style="vertical-align:Top;white-space:nowrap;width:26.25pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:23.25pt;"> <div style="display:flex;margin:auto;width:25.25pt;"> <div style="display:flex;white-space:nowrap;width:25.25pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> </div> </td> </tr> </table> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Fund assets, including management fees,</span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div> 0.0066 <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(1) If you surrender your </span><a href="#bookmark__18e07927-9c71-43ba-b71a-8e723da6cb75"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> (take a full withdrawal) at the end of </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">the applicable time period:</span></div> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,134</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:31.04pt;"> <div style="display:flex;white-space:nowrap;width:31.04pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.04pt;">11,383</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">12,982</span></div> </div> </div> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">22,233</span></div> 9134 11383 12982 22233 <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2) If you annuitize your </span><a href="#bookmark__18e07927-9c71-43ba-b71a-8e723da6cb75"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> at the end of the applicable time </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">period.</span></div> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">N/A*</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:31.04pt;"> <div style="display:flex;white-space:nowrap;width:31.04pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.04pt;">5,983</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">10,282</span></div> </div> </div> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">22,233</span></div> 5983 10282 22233 <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(3) If you do not surrender your </span><a href="#bookmark__18e07927-9c71-43ba-b71a-8e723da6cb75"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">1,934</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:31.04pt;"> <div style="display:flex;white-space:nowrap;width:31.04pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.04pt;">5,983</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">10,282</span></div> </div> </div> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">22,233</span></div> 1934 5983 10282 22233 <div style="line-height:13.0pt;margin-top:10.5pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Principal Risks of Investing In the Contract</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract involves certain risks that you should understand before investing. You should carefully consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ depending on the Investment Options you choose.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risk of Loss</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Returns on securities and securities Indexes can vary substantially, which may result in investment losses. The historical performance of the Investment Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Securities markets are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. Depending on your individual circumstances (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, your selected Investment Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. You should consult with a Financial Professional.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Option does not provide any protection against loss of principal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings on assets in the Variable Option and such losses could be significant.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should consider whether investing in an Index Option is consistent with your financial needs. If you allocate Purchase Payments or transfer Contract Value to an Index Option, negative Index Returns may cause Performance Credits to be negative after application of the Buffer. For the Index Performance Strategy, we apply the Buffer for the entire Term length; we do not apply the Buffer annually on a 3-year or 6-year Term Index Option. Ongoing deductions we make for Contract fees and expenses could also cause amounts available for withdrawal to be less than what you invested even if Index performance has been positive. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options, and such losses could be significant.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The maximum potential negative Performance Credit is based on the Buffer. If the Buffer is 10%, the maximum negative Performance Credit is -90%; if the Buffer is 20%, the maximum negative Performance Credit is -80%; and if the Buffer is 30%, the maximum negative Performance Credit is -70%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition to any losses from negative investment performance, you may experience losses under the Contract due to any applicable withdrawal charges, other Contract fees and charges, negative Daily Adjustments, taxes, and tax penalties.</span></div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Early Withdrawal and Liquidity Risk</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed the Contract to be a long-term investment that you can use to help build and provide income for retirement. The Contract is not suitable for short-term investment. Withdrawals under the Contract may be subject to withdrawal charges, other Contract fees and charges, negative Daily Adjustments, taxes, and tax penalties.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you take a full or partial withdrawal during the withdrawal charge period we deduct a withdrawal charge unless the withdrawal is a Penalty-Free Withdrawal. While Penalty-Free Withdrawals provide some liquidity, they are permitted in only limited amounts or in special circumstances. If you need to withdraw most or all of your Contract Value in a short period, you will likely exceed the Penalty-Free Withdrawal amounts available to you and incur withdrawal charges. For more information on the withdrawal charge, see the Fee Tables and section 7, Expenses and Adjustments – Withdrawal Charge.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate the withdrawal charge as a percentage of your Purchase Payments, not Contract Value. Consequently, if the Contract Value has declined since you made a Purchase Payment, it is possible the percentage of Contract Value withdrawn to cover the withdrawal charge would be greater than if the withdrawal charge were deducted as a percentage of Contract Value. For example, assume you buy the Contract with a single Purchase Payment of $10,000. If your Contract Value in the fifth year is $8,000 and you take a full withdrawal a 3% withdrawal charge applies. The total withdrawal charge would be $300 (3% of $10,000). As your Contract Value is less than $100,000, we will also deduct the $50 contract maintenance charge. This results in you receiving $7,650. This example does not include the impact of income tax withholding which will reduce the amount you receive.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On a full withdrawal, the free withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within their withdrawal charge period, including amounts previously withdrawn under the free withdrawal privilege. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">On a full withdrawal, your Withdrawal Charge Basis may be greater than your Contract Value because the following reduce your Contract Value, but do not reduce your Withdrawal Charge Basis: deductions we make for Contract fees or expenses; and/or poor performance.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Amounts withdrawn from this Contract are subject to income taxes and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We only apply Performance Credits to the Index Options once each Term on the Term End Date, rather than daily. In the interim, we calculate Index Option Values based on the Daily Adjustment. For more information, see “Risks Associated with the Daily Adjustment” later in this section. The Variable Option is not subject to the Daily Adjustment. Any assets removed from an Index Option during the Term for withdrawals you take (including Penalty-Free Withdrawals), Annuity Payments, or deductions we make for Contract fees and expenses, or if we pay a death benefit, will not be eligible to receive a Performance Credit on the Term End Date. You will receive a Performance Credit only on any unlocked Index Option Value remaining in an Index Option on the Term End Date.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can typically transfer Variable Account Value to the Index Options only on an Index Anniversary. You can typically transfer Index Option Value to the Variable Option, or among the available Index Options, only on Term End Dates. Additionally, you may transfer all assets out of a 3-year or 6-year Term Index Option before the Term End Date by executing a Performance Lock on or before the second Index Anniversary of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. However, Early Reallocation allows you to transfer these assets to the Index Options before the next Index Anniversary subject to certain restrictions. In addition, effective October 13, 2026, the maximum number of Early Reallocations allowed each Index Year increases from 12 to 24, but each request can involve multiple locked Index Options. These transfer restrictions may limit your ability to respond to changing market conditions.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Risks</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you allocate Purchase Payments or transfer Contract Value to an Index Option, your returns depend, in part, on the performance of an Index although you are not directly invested in the Index or in the securities tracked by the Index. You will have no voting rights, no rights to receive cash dividends or other distributions, and no other rights with respect to the companies that make up the Indexes. Because 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:10pt;"> Index, 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:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index and EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The 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:10pt;"> Index, 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:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, and EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are all “price return indexes,” not “total return indexes,” and therefore do not reflect dividends paid on the securities composing the Index. This will </span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition to the foregoing, each Index has its own unique risks, as follows:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities issued by large-capitalization (“large cap”) U.S. companies. In general, large capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities of small-capitalization (“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></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Nasdaq-100</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:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on the Nasdaq Stock Market, including companies across all major industry groups except financial companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies. To the extent that 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. Also, any securities issued by non-U.S. companies are subject to the risks related to investments in foreign markets (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EURO STOXX 50</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:10pt;font-weight:bold;">:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of the equity securities of large-capitalization companies in the Eurozone. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies. Securities issued by non-U.S. companies are subject to the risks related to investments in foreign markets (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with the Daily Adjustment</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">The Variable Option is not subject to the Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the contract maintenance charge. The Daily Adjustment can be less than the Trigger Rate or Cap even if the current Index return during the Term is greater than the Trigger Rate or Cap. In addition, even if the Index has performed positively since the beginning of the Term, the Daily Adjustment may be negative. The Daily Adjustment is generally negatively affected by:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">interest rate decreases,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">dividend rate increases,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">poor market performance, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the expected volatility of Index prices. Generally, increases in the expected volatility of Index prices negatively affect the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy 1-year Term Index Options. For the Index Performance Strategy 3-year and 6-year Term Index Options, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and Participation Rates.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment for Index Options with a Term length of more than 1 year (3-year and 6-year Term Index Options and Early Reallocation to a 1-year Term Index Option) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily Adjustment is generally greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length. 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%. For shorter Term lengths, there is more certainty in both the final Index Values and how Trigger Rates, Caps, and Buffers determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If amounts are withdrawn or otherwise removed from an Index Option before the Term End Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">you could lose principal and previous earnings due to a negative Daily Adjustment. A negative Daily Adjustment could result in losses greater than the protection provided by the applicable Buffer, which applies only on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The </span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">maximum potential loss from a negative Daily Adjustment is -99%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Such a loss will be greater if withdrawal charges, other Contract fees or charges, taxes, or tax penalties also apply.</span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Calculation of Performance Credits</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate Performance Credits each Term on the Term End Date. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method may have experienced gains through some, or most, of the Term. The Trigger Rates on the Index Dual Precision Strategy and Index Precision Strategy Index Options, and the Caps on Index Performance Strategy Index Options limit positive returns, and for these Index Options, you may be subject to potential negative Performance Credits. Trigger Rates and Caps could cause performance to be lower than it would otherwise have been if you invested in a mutual fund designed to track the performance of the applicable Index, or the Variable Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Performance Strategy, we apply the Cap and any Participation Rate for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option. See “Risk of Loss” above for information about risks associated with Buffers when calculating Performance Credits.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Options do not receive any dividends payable on these securities. The Index Options also do not directly participate in the returns of the Indexes or the Indexes’ component securities. Index Returns would be higher if they included the dividends from the component securities.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Trigger Rates, Caps, and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from Term to Term. For more information, see the “Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates, and Temporary Unavailability of Index Options” discussion later in this section.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Crediting Methods only capture Index Values on the Term Start Date and Term End Date, so you will bear the risk that the Index Value might be abnormally high on a Term Start Date or low on a Term End Date, which in either case could negatively impact your Performance Credits at the end of the Term.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Performance Locks</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Performance Lock is executed:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will no longer participate in Index performance, positive or negative, for the remainder of the Term for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder of the Term for a locked Index Option, and you will begin a new Index Option with a new Term Start Date on the next Index Anniversary that occurs on or immediately after the Lock Date unless you execute an Early Reallocation (if available to you). If you decide to execute an Early Reallocation, you can execute a Performance Lock and then, at the earliest, execute an Early Reallocation on the same Business Day. When executing both the Performance Lock and Early Reallocation on the same Business Day, your Lock Date is also the Term Start Date for the new Index Option.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive a Performance Credit on any locked Index Option on the Term End Date.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the Daily Adjustment calculated at the end of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">current</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day on the Lock Date to determine your locked Index Option Value. This means that, if you request a Performance Lock, your Index Option Value will lock at an unknown future value which may be higher or lower than it was at the point in time you requested a Performance Lock. In addition, if you set a lower target, your Index Option Value may lock at a lower value than the target you set.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index Option was not locked.</span></div> </div></div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;text-align:left;width:489pt;"><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide advice or notify you regarding whether you should execute a Performance Lock or the optimal </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">time for doing so, if any. We will not warn you if you execute a Performance Lock at a sub-optimal time. We are not </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">responsible for any losses related to your decision whether or not to execute a Performance Lock.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Early Reallocations</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Early Reallocation allows you to transfer assets to an available Index Option earlier than would otherwise be allowed (i.e., before the next Index Anniversary). Subject to the following restrictions, you can transfer all assets from one or more of these categories: assets you allocate to the Variable Option, assets we hold in the Variable Option on an interim basis, and/or assets in a locked Index Option.</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not accept Early Reallocation requests before the Index Effective Date, or within 14 calendar days before an Index Anniversary.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Index Performance Strategy 6-year Term Index Options and the Variable Option are not available as destinations for an Early Reallocation transfer.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On October 13, 2026, the limit for Early Reallocations increases from 12 each Index Year to 24. Each Early Reallocation request can involve multiple locked Index Options.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">After you reach the Early Reallocation request limit in an Index Year, any locked Index Options will remain locked until the next Index Anniversary.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There may be times when Early Reallocation is temporarily unavailable to you, possibly for an extended period of time. However, we cannot permanently eliminate Early Reallocation, and a temporarily unavailable Index Option will become available once we can support its minimum Early Reallocation Trigger Rate or Cap.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. Also, Early Reallocation Trigger Rates, Caps, and Participation Rates you receive may be less than the Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary. This may limit your return potential.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide advice or notify you regarding whether you should execute an Early Reallocation or the optimal </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">time for doing so, if any. We will not warn you if you execute an Early Reallocation at a sub-optimal time. We are not </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">responsible for any losses related to your decision whether or not to execute an Early Reallocation.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Substitution of an Index</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There is no guarantee that the Indexes will be available during the entire time that you own your Contract. Once we add an Index to your Contract, we cannot remove it without simultaneously substituting it. For the Index Options, if we substitute a new Index for an existing Index, the performance of the new Index may be different, and this may affect your ability to receive positive Performance Credits.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Depending on the constitution of the substituted Index, the volatility of its investments, and our ability to hedge the Index’s performance, we may determine, in our discretion, to increase or decrease renewal Trigger Rates, Caps, and Participation Rates associated with the new Index, subject to their respective minimums. However, we would not implement any change to reflect this difference until the next Term Start Date after the substitution. The substitution of an Index during a Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index due to changes in Proxy Value inputs (such as volatility, dividend yield, and interest rate). However, you would only be affected by this change in the Daily Adjustment if a transaction to which the Daily Adjustment applies (such as a withdrawal you take) occurs on the substitution date.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates, and Temporary Unavailability of Index Options</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Subject to their respective minimums, we establish the initial Trigger Rates, Caps, and Participation Rates for a newly issued Contract on the Index Effective Date and they cannot change until the next Term Start Date. You select the Index Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the first Quarterly Contract Anniversary, but it cannot be the 29</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of a month.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less advantageous to you. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel the Contract, you will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment does </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> apply. You may review future rates at least seven calendar days before their effectiveness at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">, or you can call (800) 624-0197 to obtain the rates. Subject to the limitations related to designating the Index Effective Date, you (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.</span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates for an existing Contract on each new Term Start Date subject to the guaranteed minimums, in our discretion. You risk the possibility that renewal Trigger Rates, Caps, and Participation Rates will be as low as the applicable guaranteed minimums.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps, and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer Variable Account Value and Index Option Values on the upcoming Term End Date. On each Term End Date, you have the option of remaining allocated to your current Index Options (if available) at the renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to another permitted Investment Option, subject to the limitations on transfers from an Index Option to the Variable Option. At least seven calendar days before each Index Anniversary, we publish renewal rates for the next Term Start Date for your review in your account on our website, and on our public website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or you can call (800) 624-0197 to obtain the rates. If you do not review renewal change information when it is published or take no action to transfer to another permitted Investment Option, you will remain allocated to your current Index Options (if available) and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You also risk the possibility that we may make Index Options temporarily unavailable if we are unable to support the minimum Trigger Rate or Cap on that Index Option. When your renewal rates change, or Index Options become temporarily unavailable, if you do not want to remain invested in the same Index Option for a new Term (if available), you can either transfer Index Option Value to the Variable Option or to other available Index Options by changing your allocation instructions, or take a full withdrawal of the Index Option Value (which may be subject to a withdrawal charge, is subject to income taxes, and may be subject to tax penalties).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If we temporarily make an Index Option unavailable, on the next Term Start Date we will transfer assets held in the temporarily unavailable Index Option or destined for the temporarily unavailable Index Option to the Variable Option and the assets will remain there until either, (1) we receive a change to allocation instructions that results in a transfer of these assets to available Index Option(s) on the next Index Anniversary, or (2) the Business Day we execute your Early Reallocation request to transfer these assets. If you transfer these assets to an available Index Option, they will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">To avoid having Index Option Value transferred to the Variable Option when an Index Option becomes temporarily unavailable, you must change your allocation instructions and select Index Options that are available. Such a change will result in a transfer of this Index Option Value to another available Index Option. We must receive this change before the end of the Business Day on the Term Start Date (or the next Business Day if the Term Start Date is a non-Business Day).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For any amount invested in the Variable Option for which allocation instructions direct us to transfer assets to a temporarily unavailable Index Option, such assets will remain in the Variable Option. These assets will remain in the Variable Option until either, (1) the next Index Anniversary where the Index Option, which had been temporarily unavailable, becomes available; (2) we receive a change in allocation instructions that directs us to allocate the assets to available Index Option(s) on the next Index Anniversary; or (3) the Business Day we execute your Early Reallocation request to transfer these assets to an available Index Option(s).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, on an Index Anniversary, your allocation instructions direct us to transfer amounts from the Variable Option to a temporarily unavailable Index Option. Instead of transferring amounts to the unavailable Index Option, such amounts will remain allocated to the Variable Option. Two months later, we execute your Early Reallocation request that directs us to transfer amounts from the Variable Option to an available 1-year Term Index Option. We will transfer such amounts (adjusted for Fund performance and fees) to the newly selected 1-year Term Index Option.  The remaining ten months of the Index Year will be added to the new 1-year Term for the newly selected Index Option, making the new Term length </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">22 months</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. These assets will not receive a Performance Credit associated with this Term until the Term End Date that occurs 22 months after execution of the Early Reallocation.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can transfer from the Variable Option and/or locked Index Options and begin a new Index Option with a new Term Start Date and a new Trigger Rate, Cap, or Participation Rate before the next Index Anniversary by requesting an Early Reallocation. We can change Early Reallocation Trigger Rates, Caps, and Participation Rates subject to the guaranteed minimums, in our discretion. We publish Early Reallocation rates at least seven calendar days before the end of the current Early Reallocation offering period for your review in your account on our website. If you do not execute an Early Reallocation, you will remain allocated to the Variable Option, and/or your current locked Index Options, until the Index </span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Anniversary that occurs on or immediately after the Lock Date. However, we can make all Index Options temporarily unavailable for Early Reallocation at any time, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">which means there may be times when Early Reallocation is unavailable to you</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates may vary significantly depending upon a variety of factors, including, but not limited to:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Term length,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">level of downside protection,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">market volatility,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our hedging strategies and investment performance,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the availability of hedging instruments,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the amount of money available to us through Contract fees and expenses to purchase hedging instruments,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">expenses incurred by the Company,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">your Index Effective Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the level of interest rates,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">utilization of Contract benefits by Owners, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our profitability goals.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These factors also impact any new Buffer Index Options that become available under the Contract. Due to a combination of factors, including potential changes in interest rates and other market conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates cannot be predicted with certainty. The effect of a change in interest rates or other market conditions may not be direct or immediate. There may be a lag in changes to Trigger Rates, Caps, and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in initial Trigger Rates, Caps, and Participation Rates, if any, may be substantially slower than increases in interest rates. However, a rising interest rate environment may have the opposite effect on renewal rates and cause renewal Trigger Rates, Caps, and Participation Rates to decrease.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We manage our obligation to provide Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued Contracts and renewal and Early Reallocation rates for existing Contracts is the difference in what we can earn from these investments for newly issued Contracts versus what we are earning on the investments that were made for existing Contracts. In some instances, we may need to reduce initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive Performance Credits.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the Issue Date, we establish for each Index Option whether we can make the Index Option temporarily unavailable on the Index Effective Date or an Index Anniversary (or both) and, if so, when. Similarly, for any new Index Option we add to your Contract after the Issue Date, we establish whether we can make the new Index Option temporarily unavailable on an Index Anniversary and, if so, when. Once we establish this rule for a given Index Option, we cannot change it. With notice we may make Index Options in Group B temporarily unavailable for a year or more on the Index Effective Date or an Index Anniversary (or both), and Index Options in Group C temporarily unavailable for a year or more on an Index Anniversary occurring on or after the sixth Index Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We can also make all Index Options temporarily unavailable for Early Reallocation at any time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> We can make Index Options temporarily unavailable if, due to yield on investments or the availability or cost of hedging, we are unable to support the minimum Trigger Rate or Cap. We cannot make an Index Option temporarily unavailable for any reason other than being able to support the minimum Trigger Rate or Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We cannot make Group A Index Options temporarily unavailable on the Index Effective Date or an Index Anniversary.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Temporary unavailability of an Index Option may:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">last for more than one Index Year,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">reoccur periodically during the time you own your Contract,</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">result in all Index Options within Group B or Group C being unavailable, and</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">result in the Early Reallocation feature being unavailable for one or more Index Options.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Once we make an Index Option temporarily unavailable, it may continue to be unavailable so long as we are unable to support its minimum Trigger Rate or Cap. However, we cannot make an Index Option permanently unavailable, remove it from the Contract after issue, or make an Index Option to which you are currently allocated temporarily unavailable during its Term. A temporarily unavailable Index Option will become available once we can support its minimum Trigger Rate or Cap. Although we cannot make an Index Option permanently unavailable or remove it from your Contract after the Issue Date, we can substitute an Index as discussed under “Substitution of an Index” in this section. You bear the risk that the Group B and/or Group C Index Options may be periodically unavailable, possibly for an extended period of time, which reduces your opportunity to receive positive Performance Credits, and may also increase your risk of loss because the increased protection provided by the 20% and 30% Buffers is not available. You also bear the risk that there may be times when Early Reallocation is temporarily unavailable to you, possibly for an extended period of time, which reduces your opportunity to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. This may limit your return potential.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Other Contract Changes Risk</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reserve the right to modify or restrict several benefits or features of the Contract. We restrict additional Purchase Payments. Each Index Year during the Accumulation Phase, you cannot add more than your initial amount without our prior approval. Your initial amount is the total of all Purchase payments received before the first Quarterly Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. For further information regarding Purchase Payment restrictions, see section 3, Purchasing the Contract – Purchase Requirements.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reserve the right to substitute the Fund in which the Variable Option invests. We reserve the right to add or eliminate additional variable investment options, subject to applicable law.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently deduct premium tax from the Contract, although we reserve the right to do so in the future.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lastly, we will treat a partial withdrawal that reduces Contract Value below $2,000 as a full withdrawal unless you submitted a Purchase Payment in the last three years. If Annuity Payments would be less than $20, we reserve the right to require you to take a full withdrawal and your Contract will then terminate. However, we do not assess a withdrawal charge on this full withdrawal.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Our Financial Strength and Claims-Paying Ability</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">All payments and financial guarantees under the Contract are subject to our financial strength and claims-paying ability. We make Annuity Payments, and pay death benefits from our general account. Our general account assets are subject to claims by our creditors. We apply Performance Credits from an unregistered, non-unitized, non-insulated separate account (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Separate Account IANY</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">). Like our general account, the assets in Separate Account IANY are subject to our general business operation liabilities and the claims of our creditors. For more information on Separate Account IANY, see The Insurance Company, Separate Accounts, and General Account – Our Unregistered Separate Account.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Business and Operational Risks Relevant to the Contract</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Business Disruption and Cybersecurity Risks.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Our business relies on technology systems and networks, including systems and networks managed by third parties, to process, transmit and store information; perform transactions related to the Contract; and conduct other business activities. Maintaining the integrity of our systems is critical to our business operations and to the protection of our clients’ personal information. Any cybersecurity breaches or interference that may in the future occur could have a material adverse impact on our business operations and our financial condition.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Publicly-reported cybersecurity threats and incidents have dramatically increased in recent years, and financial services companies and their third-party service providers are increasingly the targets of cyberattacks. We have implemented and maintain security measures designed to protect against breaches of security and other interference with systems and networks, and require third party vendors to meet certain information security standards; however, we cannot ensure that our systems and networks will not be subject to breaches or interference, or that we will always be able to readily detect a cybersecurity incident. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss of our proprietary information or our clients’ personal information. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Although we maintain cybersecurity insurance coverage against costs resulting from cybersecurity incidents, it is possible losses will exceed the amount available under our coverage. We cannot be certain that advances in criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network </span></div> </div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">break-ins or inappropriate access, or other developments will not compromise or breach the technology or other security measures protecting our networks and systems used in connection with our products and services.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Natural or Man-made Disasters.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The occurrence of natural or man-made disasters (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, extreme weather events, acts of terrorism, public health crises, industrial accidents, blackouts, military actions) could adversely affect our business operations, particularly if those events affect our computer-based data processing, transmission, storage, and retrieval systems or destroy data. Such disasters may damage our facilities, preventing our employees from performing their roles, otherwise disturbing our ordinary business operations, and impacting claims processing. We rely on certain third-parties to provide certain services important to our business operations. While we monitor the business continuity planning of such third-parties, successful implementation and execution of their business continuity plans are largely outside of our control. Weaknesses or failures within a vendor’s business continuity plan in light of a natural or man-made disaster could materially disrupt our business operations.</span></div> </div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risk of Loss</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Returns on securities and securities Indexes can vary substantially, which may result in investment losses. The historical performance of the Investment Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Securities markets are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. Depending on your individual circumstances (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, your selected Investment Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. You should consult with a Financial Professional.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Option does not provide any protection against loss of principal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings on assets in the Variable Option and such losses could be significant.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should consider whether investing in an Index Option is consistent with your financial needs. If you allocate Purchase Payments or transfer Contract Value to an Index Option, negative Index Returns may cause Performance Credits to be negative after application of the Buffer. For the Index Performance Strategy, we apply the Buffer for the entire Term length; we do not apply the Buffer annually on a 3-year or 6-year Term Index Option. Ongoing deductions we make for Contract fees and expenses could also cause amounts available for withdrawal to be less than what you invested even if Index performance has been positive. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options, and such losses could be significant.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The maximum potential negative Performance Credit is based on the Buffer. If the Buffer is 10%, the maximum negative Performance Credit is -90%; if the Buffer is 20%, the maximum negative Performance Credit is -80%; and if the Buffer is 30%, the maximum negative Performance Credit is -70%.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition to any losses from negative investment performance, you may experience losses under the Contract due to any applicable withdrawal charges, other Contract fees and charges, negative Daily Adjustments, taxes, and tax penalties.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Early Withdrawal and Liquidity Risk</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed the Contract to be a long-term investment that you can use to help build and provide income for retirement. The Contract is not suitable for short-term investment. Withdrawals under the Contract may be subject to withdrawal charges, other Contract fees and charges, negative Daily Adjustments, taxes, and tax penalties.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you take a full or partial withdrawal during the withdrawal charge period we deduct a withdrawal charge unless the withdrawal is a Penalty-Free Withdrawal. While Penalty-Free Withdrawals provide some liquidity, they are permitted in only limited amounts or in special circumstances. If you need to withdraw most or all of your Contract Value in a short period, you will likely exceed the Penalty-Free Withdrawal amounts available to you and incur withdrawal charges. For more information on the withdrawal charge, see the Fee Tables and section 7, Expenses and Adjustments – Withdrawal Charge.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate the withdrawal charge as a percentage of your Purchase Payments, not Contract Value. Consequently, if the Contract Value has declined since you made a Purchase Payment, it is possible the percentage of Contract Value withdrawn to cover the withdrawal charge would be greater than if the withdrawal charge were deducted as a percentage of Contract Value. For example, assume you buy the Contract with a single Purchase Payment of $10,000. If your Contract Value in the fifth year is $8,000 and you take a full withdrawal a 3% withdrawal charge applies. The total withdrawal charge would be $300 (3% of $10,000). As your Contract Value is less than $100,000, we will also deduct the $50 contract maintenance charge. This results in you receiving $7,650. This example does not include the impact of income tax withholding which will reduce the amount you receive.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On a full withdrawal, the free withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within their withdrawal charge period, including amounts previously withdrawn under the free withdrawal privilege. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">On a full withdrawal, your Withdrawal Charge Basis may be greater than your Contract Value because the following reduce your Contract Value, but do not reduce your Withdrawal Charge Basis: deductions we make for Contract fees or expenses; and/or poor performance.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Amounts withdrawn from this Contract are subject to income taxes and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We only apply Performance Credits to the Index Options once each Term on the Term End Date, rather than daily. In the interim, we calculate Index Option Values based on the Daily Adjustment. For more information, see “Risks Associated with the Daily Adjustment” later in this section. The Variable Option is not subject to the Daily Adjustment. Any assets removed from an Index Option during the Term for withdrawals you take (including Penalty-Free Withdrawals), Annuity Payments, or deductions we make for Contract fees and expenses, or if we pay a death benefit, will not be eligible to receive a Performance Credit on the Term End Date. You will receive a Performance Credit only on any unlocked Index Option Value remaining in an Index Option on the Term End Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can typically transfer Variable Account Value to the Index Options only on an Index Anniversary. You can typically transfer Index Option Value to the Variable Option, or among the available Index Options, only on Term End Dates. Additionally, you may transfer all assets out of a 3-year or 6-year Term Index Option before the Term End Date by executing a Performance Lock on or before the second Index Anniversary of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. However, Early Reallocation allows you to transfer these assets to the Index Options before the next Index Anniversary subject to certain restrictions. In addition, effective October 13, 2026, the maximum number of Early Reallocations allowed each Index Year increases from 12 to 24, but each request can involve multiple locked Index Options. These transfer restrictions may limit your ability to respond to changing market conditions.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Risks</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you allocate Purchase Payments or transfer Contract Value to an Index Option, your returns depend, in part, on the performance of an Index although you are not directly invested in the Index or in the securities tracked by the Index. You will have no voting rights, no rights to receive cash dividends or other distributions, and no other rights with respect to the companies that make up the Indexes. Because 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:10pt;"> Index, 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:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index and EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:10pt;"> Index, 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:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, and EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are all “price return indexes,” not “total return indexes,” and therefore do not reflect dividends paid on the securities composing the Index. This will </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition to the foregoing, each Index has its own unique risks, as follows:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities issued by large-capitalization (“large cap”) U.S. companies. In general, large capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities of small-capitalization (“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></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Nasdaq-100</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:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on the Nasdaq Stock Market, including companies across all major industry groups except financial companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies. To the extent that 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. Also, any securities issued by non-U.S. companies are subject to the risks related to investments in foreign markets (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EURO STOXX 50</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:10pt;font-weight:bold;">:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of the equity securities of large-capitalization companies in the Eurozone. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies. Securities issued by non-U.S. companies are subject to the risks related to investments in foreign markets (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with the Daily Adjustment</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">The Variable Option is not subject to the Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the contract maintenance charge. The Daily Adjustment can be less than the Trigger Rate or Cap even if the current Index return during the Term is greater than the Trigger Rate or Cap. In addition, even if the Index has performed positively since the beginning of the Term, the Daily Adjustment may be negative. The Daily Adjustment is generally negatively affected by:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">interest rate decreases,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">dividend rate increases,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">poor market performance, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the expected volatility of Index prices. Generally, increases in the expected volatility of Index prices negatively affect the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy 1-year Term Index Options. For the Index Performance Strategy 3-year and 6-year Term Index Options, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and Participation Rates.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment for Index Options with a Term length of more than 1 year (3-year and 6-year Term Index Options and Early Reallocation to a 1-year Term Index Option) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily Adjustment is generally greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length. 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%. For shorter Term lengths, there is more certainty in both the final Index Values and how Trigger Rates, Caps, and Buffers determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If amounts are withdrawn or otherwise removed from an Index Option before the Term End Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">you could lose principal and previous earnings due to a negative Daily Adjustment. A negative Daily Adjustment could result in losses greater than the protection provided by the applicable Buffer, which applies only on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">maximum potential loss from a negative Daily Adjustment is -99%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Such a loss will be greater if withdrawal charges, other Contract fees or charges, taxes, or tax penalties also apply.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Calculation of Performance Credits</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate Performance Credits each Term on the Term End Date. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method may have experienced gains through some, or most, of the Term. The Trigger Rates on the Index Dual Precision Strategy and Index Precision Strategy Index Options, and the Caps on Index Performance Strategy Index Options limit positive returns, and for these Index Options, you may be subject to potential negative Performance Credits. Trigger Rates and Caps could cause performance to be lower than it would otherwise have been if you invested in a mutual fund designed to track the performance of the applicable Index, or the Variable Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Performance Strategy, we apply the Cap and any Participation Rate for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option. See “Risk of Loss” above for information about risks associated with Buffers when calculating Performance Credits.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Options do not receive any dividends payable on these securities. The Index Options also do not directly participate in the returns of the Indexes or the Indexes’ component securities. Index Returns would be higher if they included the dividends from the component securities.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Trigger Rates, Caps, and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from Term to Term. For more information, see the “Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates, and Temporary Unavailability of Index Options” discussion later in this section.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Crediting Methods only capture Index Values on the Term Start Date and Term End Date, so you will bear the risk that the Index Value might be abnormally high on a Term Start Date or low on a Term End Date, which in either case could negatively impact your Performance Credits at the end of the Term.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Performance Locks</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Performance Lock is executed:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will no longer participate in Index performance, positive or negative, for the remainder of the Term for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder of the Term for a locked Index Option, and you will begin a new Index Option with a new Term Start Date on the next Index Anniversary that occurs on or immediately after the Lock Date unless you execute an Early Reallocation (if available to you). If you decide to execute an Early Reallocation, you can execute a Performance Lock and then, at the earliest, execute an Early Reallocation on the same Business Day. When executing both the Performance Lock and Early Reallocation on the same Business Day, your Lock Date is also the Term Start Date for the new Index Option.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive a Performance Credit on any locked Index Option on the Term End Date.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the Daily Adjustment calculated at the end of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">current</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day on the Lock Date to determine your locked Index Option Value. This means that, if you request a Performance Lock, your Index Option Value will lock at an unknown future value which may be higher or lower than it was at the point in time you requested a Performance Lock. In addition, if you set a lower target, your Index Option Value may lock at a lower value than the target you set.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index Option was not locked.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide advice or notify you regarding whether you should execute a Performance Lock or the optimal </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">time for doing so, if any. We will not warn you if you execute a Performance Lock at a sub-optimal time. We are not </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">responsible for any losses related to your decision whether or not to execute a Performance Lock.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Early Reallocations</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Early Reallocation allows you to transfer assets to an available Index Option earlier than would otherwise be allowed (i.e., before the next Index Anniversary). Subject to the following restrictions, you can transfer all assets from one or more of these categories: assets you allocate to the Variable Option, assets we hold in the Variable Option on an interim basis, and/or assets in a locked Index Option.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not accept Early Reallocation requests before the Index Effective Date, or within 14 calendar days before an Index Anniversary.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Index Performance Strategy 6-year Term Index Options and the Variable Option are not available as destinations for an Early Reallocation transfer.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On October 13, 2026, the limit for Early Reallocations increases from 12 each Index Year to 24. Each Early Reallocation request can involve multiple locked Index Options.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">After you reach the Early Reallocation request limit in an Index Year, any locked Index Options will remain locked until the next Index Anniversary.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There may be times when Early Reallocation is temporarily unavailable to you, possibly for an extended period of time. However, we cannot permanently eliminate Early Reallocation, and a temporarily unavailable Index Option will become available once we can support its minimum Early Reallocation Trigger Rate or Cap.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. Also, Early Reallocation Trigger Rates, Caps, and Participation Rates you receive may be less than the Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary. This may limit your return potential.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide advice or notify you regarding whether you should execute an Early Reallocation or the optimal </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">time for doing so, if any. We will not warn you if you execute an Early Reallocation at a sub-optimal time. We are not </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">responsible for any losses related to your decision whether or not to execute an Early Reallocation.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Substitution of an Index</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There is no guarantee that the Indexes will be available during the entire time that you own your Contract. Once we add an Index to your Contract, we cannot remove it without simultaneously substituting it. For the Index Options, if we substitute a new Index for an existing Index, the performance of the new Index may be different, and this may affect your ability to receive positive Performance Credits.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Depending on the constitution of the substituted Index, the volatility of its investments, and our ability to hedge the Index’s performance, we may determine, in our discretion, to increase or decrease renewal Trigger Rates, Caps, and Participation Rates associated with the new Index, subject to their respective minimums. However, we would not implement any change to reflect this difference until the next Term Start Date after the substitution. The substitution of an Index during a Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index due to changes in Proxy Value inputs (such as volatility, dividend yield, and interest rate). However, you would only be affected by this change in the Daily Adjustment if a transaction to which the Daily Adjustment applies (such as a withdrawal you take) occurs on the substitution date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates, and Temporary Unavailability of Index Options</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Subject to their respective minimums, we establish the initial Trigger Rates, Caps, and Participation Rates for a newly issued Contract on the Index Effective Date and they cannot change until the next Term Start Date. You select the Index Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the first Quarterly Contract Anniversary, but it cannot be the 29</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of a month.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less advantageous to you. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel the Contract, you will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment does </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> apply. You may review future rates at least seven calendar days before their effectiveness at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">, or you can call (800) 624-0197 to obtain the rates. Subject to the limitations related to designating the Index Effective Date, you (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates for an existing Contract on each new Term Start Date subject to the guaranteed minimums, in our discretion. You risk the possibility that renewal Trigger Rates, Caps, and Participation Rates will be as low as the applicable guaranteed minimums.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps, and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer Variable Account Value and Index Option Values on the upcoming Term End Date. On each Term End Date, you have the option of remaining allocated to your current Index Options (if available) at the renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to another permitted Investment Option, subject to the limitations on transfers from an Index Option to the Variable Option. At least seven calendar days before each Index Anniversary, we publish renewal rates for the next Term Start Date for your review in your account on our website, and on our public website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or you can call (800) 624-0197 to obtain the rates. If you do not review renewal change information when it is published or take no action to transfer to another permitted Investment Option, you will remain allocated to your current Index Options (if available) and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You also risk the possibility that we may make Index Options temporarily unavailable if we are unable to support the minimum Trigger Rate or Cap on that Index Option. When your renewal rates change, or Index Options become temporarily unavailable, if you do not want to remain invested in the same Index Option for a new Term (if available), you can either transfer Index Option Value to the Variable Option or to other available Index Options by changing your allocation instructions, or take a full withdrawal of the Index Option Value (which may be subject to a withdrawal charge, is subject to income taxes, and may be subject to tax penalties).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If we temporarily make an Index Option unavailable, on the next Term Start Date we will transfer assets held in the temporarily unavailable Index Option or destined for the temporarily unavailable Index Option to the Variable Option and the assets will remain there until either, (1) we receive a change to allocation instructions that results in a transfer of these assets to available Index Option(s) on the next Index Anniversary, or (2) the Business Day we execute your Early Reallocation request to transfer these assets. If you transfer these assets to an available Index Option, they will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">To avoid having Index Option Value transferred to the Variable Option when an Index Option becomes temporarily unavailable, you must change your allocation instructions and select Index Options that are available. Such a change will result in a transfer of this Index Option Value to another available Index Option. We must receive this change before the end of the Business Day on the Term Start Date (or the next Business Day if the Term Start Date is a non-Business Day).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For any amount invested in the Variable Option for which allocation instructions direct us to transfer assets to a temporarily unavailable Index Option, such assets will remain in the Variable Option. These assets will remain in the Variable Option until either, (1) the next Index Anniversary where the Index Option, which had been temporarily unavailable, becomes available; (2) we receive a change in allocation instructions that directs us to allocate the assets to available Index Option(s) on the next Index Anniversary; or (3) the Business Day we execute your Early Reallocation request to transfer these assets to an available Index Option(s).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, on an Index Anniversary, your allocation instructions direct us to transfer amounts from the Variable Option to a temporarily unavailable Index Option. Instead of transferring amounts to the unavailable Index Option, such amounts will remain allocated to the Variable Option. Two months later, we execute your Early Reallocation request that directs us to transfer amounts from the Variable Option to an available 1-year Term Index Option. We will transfer such amounts (adjusted for Fund performance and fees) to the newly selected 1-year Term Index Option.  The remaining ten months of the Index Year will be added to the new 1-year Term for the newly selected Index Option, making the new Term length </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">22 months</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. These assets will not receive a Performance Credit associated with this Term until the Term End Date that occurs 22 months after execution of the Early Reallocation.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can transfer from the Variable Option and/or locked Index Options and begin a new Index Option with a new Term Start Date and a new Trigger Rate, Cap, or Participation Rate before the next Index Anniversary by requesting an Early Reallocation. We can change Early Reallocation Trigger Rates, Caps, and Participation Rates subject to the guaranteed minimums, in our discretion. We publish Early Reallocation rates at least seven calendar days before the end of the current Early Reallocation offering period for your review in your account on our website. If you do not execute an Early Reallocation, you will remain allocated to the Variable Option, and/or your current locked Index Options, until the Index </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Anniversary that occurs on or immediately after the Lock Date. However, we can make all Index Options temporarily unavailable for Early Reallocation at any time, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">which means there may be times when Early Reallocation is unavailable to you</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates may vary significantly depending upon a variety of factors, including, but not limited to:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Term length,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">level of downside protection,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">market volatility,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our hedging strategies and investment performance,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the availability of hedging instruments,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the amount of money available to us through Contract fees and expenses to purchase hedging instruments,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">expenses incurred by the Company,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">your Index Effective Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the level of interest rates,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">utilization of Contract benefits by Owners, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our profitability goals.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These factors also impact any new Buffer Index Options that become available under the Contract. Due to a combination of factors, including potential changes in interest rates and other market conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates cannot be predicted with certainty. The effect of a change in interest rates or other market conditions may not be direct or immediate. There may be a lag in changes to Trigger Rates, Caps, and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in initial Trigger Rates, Caps, and Participation Rates, if any, may be substantially slower than increases in interest rates. However, a rising interest rate environment may have the opposite effect on renewal rates and cause renewal Trigger Rates, Caps, and Participation Rates to decrease.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We manage our obligation to provide Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued Contracts and renewal and Early Reallocation rates for existing Contracts is the difference in what we can earn from these investments for newly issued Contracts versus what we are earning on the investments that were made for existing Contracts. In some instances, we may need to reduce initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive Performance Credits.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the Issue Date, we establish for each Index Option whether we can make the Index Option temporarily unavailable on the Index Effective Date or an Index Anniversary (or both) and, if so, when. Similarly, for any new Index Option we add to your Contract after the Issue Date, we establish whether we can make the new Index Option temporarily unavailable on an Index Anniversary and, if so, when. Once we establish this rule for a given Index Option, we cannot change it. With notice we may make Index Options in Group B temporarily unavailable for a year or more on the Index Effective Date or an Index Anniversary (or both), and Index Options in Group C temporarily unavailable for a year or more on an Index Anniversary occurring on or after the sixth Index Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We can also make all Index Options temporarily unavailable for Early Reallocation at any time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> We can make Index Options temporarily unavailable if, due to yield on investments or the availability or cost of hedging, we are unable to support the minimum Trigger Rate or Cap. We cannot make an Index Option temporarily unavailable for any reason other than being able to support the minimum Trigger Rate or Cap. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We cannot make Group A Index Options temporarily unavailable on the Index Effective Date or an Index Anniversary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Temporary unavailability of an Index Option may:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">last for more than one Index Year,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">reoccur periodically during the time you own your Contract,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">result in all Index Options within Group B or Group C being unavailable, and</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">result in the Early Reallocation feature being unavailable for one or more Index Options.</span></div>Once we make an Index Option temporarily unavailable, it may continue to be unavailable so long as we are unable to support its minimum Trigger Rate or Cap. However, we cannot make an Index Option permanently unavailable, remove it from the Contract after issue, or make an Index Option to which you are currently allocated temporarily unavailable during its Term. A temporarily unavailable Index Option will become available once we can support its minimum Trigger Rate or Cap. Although we cannot make an Index Option permanently unavailable or remove it from your Contract after the Issue Date, we can substitute an Index as discussed under “Substitution of an Index” in this section. You bear the risk that the Group B and/or Group C Index Options may be periodically unavailable, possibly for an extended period of time, which reduces your opportunity to receive positive Performance Credits, and may also increase your risk of loss because the increased protection provided by the 20% and 30% Buffers is not available. You also bear the risk that there may be times when Early Reallocation is temporarily unavailable to you, possibly for an extended period of time, which reduces your opportunity to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time.This may limit your return potential. <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Other Contract Changes Risk</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reserve the right to modify or restrict several benefits or features of the Contract. We restrict additional Purchase Payments. Each Index Year during the Accumulation Phase, you cannot add more than your initial amount without our prior approval. Your initial amount is the total of all Purchase payments received before the first Quarterly Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. For further information regarding Purchase Payment restrictions, see section 3, Purchasing the Contract – Purchase Requirements.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reserve the right to substitute the Fund in which the Variable Option invests. We reserve the right to add or eliminate additional variable investment options, subject to applicable law.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently deduct premium tax from the Contract, although we reserve the right to do so in the future.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lastly, we will treat a partial withdrawal that reduces Contract Value below $2,000 as a full withdrawal unless you submitted a Purchase Payment in the last three years. If Annuity Payments would be less than $20, we reserve the right to require you to take a full withdrawal and your Contract will then terminate. However, we do not assess a withdrawal charge on this full withdrawal.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Our Financial Strength and Claims-Paying Ability</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">All payments and financial guarantees under the Contract are subject to our financial strength and claims-paying ability. We make Annuity Payments, and pay death benefits from our general account. Our general account assets are subject to claims by our creditors. We apply Performance Credits from an unregistered, non-unitized, non-insulated separate account (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Separate Account IANY</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">). Like our general account, the assets in Separate Account IANY are subject to our general business operation liabilities and the claims of our creditors. For more information on Separate Account IANY, see The Insurance Company, Separate Accounts, and General Account – Our Unregistered Separate Account.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Business and Operational Risks Relevant to the Contract</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Business Disruption and Cybersecurity Risks.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Our business relies on technology systems and networks, including systems and networks managed by third parties, to process, transmit and store information; perform transactions related to the Contract; and conduct other business activities. Maintaining the integrity of our systems is critical to our business operations and to the protection of our clients’ personal information. Any cybersecurity breaches or interference that may in the future occur could have a material adverse impact on our business operations and our financial condition.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Publicly-reported cybersecurity threats and incidents have dramatically increased in recent years, and financial services companies and their third-party service providers are increasingly the targets of cyberattacks. We have implemented and maintain security measures designed to protect against breaches of security and other interference with systems and networks, and require third party vendors to meet certain information security standards; however, we cannot ensure that our systems and networks will not be subject to breaches or interference, or that we will always be able to readily detect a cybersecurity incident. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss of our proprietary information or our clients’ personal information. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Although we maintain cybersecurity insurance coverage against costs resulting from cybersecurity incidents, it is possible losses will exceed the amount available under our coverage. We cannot be certain that advances in criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">break-ins or inappropriate access, or other developments will not compromise or breach the technology or other security measures protecting our networks and systems used in connection with our products and services.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Natural or Man-made Disasters.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The occurrence of natural or man-made disasters (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, extreme weather events, acts of terrorism, public health crises, industrial accidents, blackouts, military actions) could adversely affect our business operations, particularly if those events affect our computer-based data processing, transmission, storage, and retrieval systems or destroy data. Such disasters may damage our facilities, preventing our employees from performing their roles, otherwise disturbing our ordinary business operations, and impacting claims processing. We rely on certain third-parties to provide certain services important to our business operations. While we monitor the business continuity planning of such third-parties, successful implementation and execution of their business continuity plans are largely outside of our control. Weaknesses or failures within a vendor’s business continuity plan in light of a natural or man-made disaster could materially disrupt our business operations.</span></div> true <div style="line-height:13.0pt;margin-top:12.5pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">1.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">The Contract</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life of New York), where you make payments to us and we invest that money in the Investment Options you select. Depending on market conditions and the returns of your selected Investment Options, your Contract may gain or lose value. When you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payment option you select that is described in this prospectus. Other than to add benefits that are beneficial to you, we do not make any changes to your Contract without your permission except as may be required by law.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract has an Accumulation Phase and an Annuity Phase.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">The Accumulation Phase</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Accumulation Phase</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Investment Options you select on a tax-deferred basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your Contract. For more information, see section 12, Taxes.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Accumulation Phase, you can take withdrawals (subject to any withdrawal charge) and you can make additional Purchase Payments subject to the restrictions set out in section 3, Purchasing the Contract – Purchase Requirements.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Accumulation Phase Ends</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Accumulation Phase ends upon the earliest of the following:</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day before the Annuity Date.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day we process your request for a full withdrawal.</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of any Owner (or the Annuitant if the Owner is a non-individual), the Business Day we first receive a Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary continues the Contract. If there are multiple Beneficiaries, the remaining Contract Value continues to fluctuate with the performance of the Investment Options until the complete distribution of the death benefit. A </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Valid Claim</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is the documents we require to be received in Good Order at our Service Center before we pay any death claim.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">The Annuity Phase</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you request Annuity Payments, the Accumulation Phase of your Contract ends and you enter the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Annuity Phase</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. During the Annuity Phase, we make regular fixed periodic Annuity Payments based on a guaranteed period, life, life with a guaranteed period, joint and last survivor, or joint and 2/3 survivor. We send Annuity Payments to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Payee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> (the person or entity who receives Annuity Payments during the Annuity Phase). You can choose when Annuity Payments begin, subject to certain restrictions. We base Annuity Payments on the Contract Value and the payout rates for the Annuity Option you select. Your Annuity Payments do not change unless an Annuitant dies. The Annuity Phase ends when we make the last Annuity Payment under your selected Annuity Option. For more information, see section 9, The Annuity Phase.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Contract Ends</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Contract ends when:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">all applicable phases of the Contract (Accumulation Phase and/or Annuity Phase) have ended, and/or</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if we received a Valid Claim, all applicable death benefit payments have been made.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, if you take a full withdrawal of the Cash Value, both the Accumulation Phase and the Contract end even though the Annuity Phase never began and we did not make any death benefit payments.</span></div> <div style="line-height:13.0pt;margin-top:12.5pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">2.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Ownership, Annuitant, Determining Life, Beneficiary, and Payee</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Owner</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Owner designated at Contract issue has all the rights under the Contract. The Owner may be an individual, or a non-individual (such as a trust or other entity acting as an agent for a natural person). Qualified Contracts and non-individually owned Contracts can only have one Owner. A </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Qualified Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> qualifies for special tax treatment under sections of the Code.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Joint Owner</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Non-Qualified Contract can be owned by up to two individual Owners </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(Joint Owners)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Joint Owners must be spouses within the meaning of federal tax law. We generally require the signature of both Joint Owners on any forms that are submitted to our Service Center.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annuitant</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant is the individual on whose life we base Annuity Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date, the Owner must be the Annuitant unless the Contract is part of a custodial arrangement. You can change the Annuitant on an individually owned Non-Qualified Contract at any time before the Annuity Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You cannot change the Annuitant if the Owner is a non-individual</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Subject to our approval, you can add a joint Annuitant on the Annuity Date. For individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner) automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Designating different persons as Owner(s) and Annuitant(s) can have important impacts on whether a death benefit is paid, and on who receives it as indicated below</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. For more examples, please see the Appendix A to the Statement of Additional Information </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(SAI)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Use care when designating Owner(s) and Annuitant(s), and consult your Financial Professional if you have questions</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:12.25pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:494pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">UPON THE DEATH OF A SOLE OWNER</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:3.64%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Action if the Contract is in the Accumulation Phase</span></div> </div> </div> </td> <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:3.64%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Action if the Contract is in the Annuity Phase</span></div> </div> </div> </td> </tr> <tr style="height:260.75pt;"> <td style="padding-top:2.25pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If this is an Inherited IRA Contract, the death benefit options for </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Beneficiary of the Inherited IRA (successor beneficiary, i.e. </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">beneficiary of the original Beneficiary) depend on several </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">factors. For specific information regarding these Contracts, </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">please see section 12, Taxes – Distributions Upon the Owner’s </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Death (or Annuitant’s Death if the Owner is a Non-Individual).</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• For all other Contracts, we pay a death benefit to the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary unless the Beneficiary is the surviving spouse and </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">continues the Contract.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased Owner was a Determining Life and the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">surviving spouse Beneficiary continues the Contract:</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">we increase the Contract Value to equal the Guaranteed </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Death Benefit Value if greater and available, and the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">death benefit ends,</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">the surviving spouse becomes the new Owner,</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">the Accumulation Phase continues, and</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">upon the surviving spouse’s death, his or her </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Beneficiary(ies) receives the Contract Value.</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased Owner was not a Determining Life, the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Traditional Death Benefit is not available and the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary(ies) receives the Contract Value.</span></div> </div> </td> <td style="padding-top:2.25pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Beneficiary becomes the Payee. If we are still required to </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">make Annuity Payments under the selected Annuity Option, the </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary also becomes the new Owner.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased was not an Annuitant, Annuity Payments to the </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payee continue. No death benefit is payable.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased was the only surviving Annuitant, Annuity </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments end or continue as follows.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">Annuity Option A or C, payments end when the </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">guaranteed period ends.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">Annuity Option B, F, or G, payments end.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">For more information on the Annuity Options, please see </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">section 9.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased was an Annuitant and there is a surviving joint </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Annuitant, Annuity Payments to the Payee continue during the </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">lifetime of the surviving joint Annuitant. No death benefit is </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">payable.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• For a Qualified Contract, the Annuity Payments generally must </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">end no later than the end of the year containing the 10</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">anniversary of the Owner's death. However, in certain </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">situations, payments may need to end earlier.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Determining Life (Lives)</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned Contract, the Determining Life (Lives) are the Owner(s). For a non-individually owned Contract, the Determining Life is the Annuitant. After the Issue Date, the Determining Life (Lives) only change if:</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">you remove a Joint Owner due to divorce, then we also remove that person as a Determining Life, or</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">you establish a jointly owned Non-Qualified Contract and change ownership to a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Beneficiary</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Beneficiary is the person(s) or entity you designate to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary die simultaneously, that Beneficiary’s interest in this Contract ends unless your Beneficiary designation specifies otherwise. You and a Beneficiary are deemed to have died simultaneously if it is not established by clear and convincing evidence that either you or the Beneficiary survived the other by 120 hours. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:62pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:4.15pt;">FOR JOINTLY OWNED CONTRACTS:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The sole primary Beneficiary is the surviving Joint Owner regardless of </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">any other named primary Beneficiaries. If both Joint Owners die simultaneously, we pay the death benefit to the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">named surviving primary Beneficiaries. If there are no named surviving primary Beneficiaries, we pay the death </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">benefit to the named surviving contingent Beneficiaries, or equally to the estate of the Joint Owners if there are no </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">named surviving contingent Beneficiaries.</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:1.9pt;">NAMING AN ESTATE AS A BENEFICIARY:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If an estate is the Beneficiary, the estate must be the sole primary </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Beneficiary, unless the Spouse is the sole primary Beneficiary. If the Spouse is the sole primary Beneficiary, then an </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">estate can be a contingent Beneficiary.</span></div> </div> </td> </tr> </table> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Payee</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Payee is the person or entity who receives Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally, we require the Payee to be an Owner. However, you can name a charitable trust, financial institution, or an individual specified in a court order as a Payee.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Assignments, Changes of Ownership and Other Transfers of Contract Rights</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can assign your rights under this Contract to someone else during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of the assignee of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You must submit your request to assign the Contract in writing to our Service Center. Upon receipt of your request in Good Order, we record the assignment. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change the Annuitant or Beneficiary, you must make a separate request.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:38pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">An assignment may be a taxable event</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. In addition, there are other restrictions on changing the ownership of a </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Qualified Contract and Qualified Contracts generally cannot be assigned absolutely or on a limited basis. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">You should </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">consult with your tax adviser before assigning this Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">divorce, or replacing Joint Owners with a Trust.</span></div> </div> </td> </tr> </table> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">3.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Purchasing the Contract</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Purchase Requirements</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">To purchase this Contract, on the Issue Date, all Owners (or the Annuitant if the Owner is a non-individual) must be age 85 or younger.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Purchase Payment requirements for this Contract are as follows.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The minimum initial Purchase Payment due on the Issue Date is $10,000.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We restrict additional Purchase Payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Each Index Year during the Accumulation Phase, you cannot add more than your initial amount without our prior approval. Your initial amount is the total of all Purchase Payments received before the first Quarterly Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. The minimum additional Purchase Payment we will accept is $50.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not accept additional Purchase Payments on or after the Annuity Date.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If this is an Inherited IRA or Inherited Roth IRA Contract, the death benefit proceeds of the previous tax-qualified investment were directly transferred into this Contract, and we do not accept additional Purchase Payments (see section 12, Taxes – Qualified Contracts – Inherited IRA).</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum total Purchase Payments we accept is $10 million.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may, at our sole discretion, waive the minimum Purchase Payment requirements.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Once we receive your initial Purchase Payment and all necessary information in Good Order at our Service Center, we issue the Contract within two Business Days and allocate your payment to your selected Investment Options. If the Issue Date is the same as the Index Effective Date, we apply any part of your initial Purchase Payment you allocate to the Index Options directly to the Index Options. If the Issue Date is not the Index Effective Date, we hold any part of your initial Purchase Payment you allocate to the Index Options in the Variable Option before we transfer it to your selected Index Options. If you do not give us all the information we need, we contact you or your Financial Professional. If for some reason we are unable to complete this process within five Business Days, we either send back your Purchase Payment or get your permission to keep it until we get all the necessary information. If you make additional Purchase Payments, we add this money to your Contract on the Business Day we receive it in Good Order.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you submit a Purchase Payment and/or application to your Financial Professional, we do not begin processing the payment and/or application until we receive it.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can only decline a Purchase Payment if it is less than $50, would cause total Purchase Payments to be more than $10 million, or if we receive it on or after the Annuity Date. If mandated under applicable law, we may be required to reject a Purchase Payment.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Applications Sent Electronically</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We accept manually signed applications that are in Good Order and are sent by fax, or email, or uploaded to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do not receive. A manually signed application sent by fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can experience outages or slowdowns which may delay application processing. Although we have taken precautions to help our system handle heavy use, we cannot promise complete reliability. If you experience problems, please submit your written application by mail to our Service Center. We reserve the right to discontinue or modify our electronic application policy at any time and for any reason.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Allocation of Purchase Payments and Contract Value Transfers</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">We do not accept additional Purchase Payments if you have an Inherited IRA, or Inherited Roth IRA Contract.</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The allocation instructions you provide on your application automatically become your default allocation instructions. We use these allocation instructions for all Purchase Payments we receive unless you change them. Any change to allocation instructions will replace any existing allocation instructions and will be used as the basis for transfers between and among the Index Options and Variable Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">We only allow Purchase Payments to move into the Index Options on the Index Effective Date and on subsequent Index Anniversaries.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> As a result, we hold Purchase Payments in the Variable Option on an interim basis when we receive them on days other than the Index Effective Date or Index Anniversaries. We then transfer them to the Index Options on the next Index Anniversary according to your allocation instructions. However, for Purchase Payments we hold in the Variable Option on an interim basis, you can make an Early Reallocation request, which will result in a transfer from the Variable Option to the applicable Index Option(s) before the next Index Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We apply any Purchase Payments allocated to the Index Options we receive on the Index Effective Date or on an Index Anniversary directly to the Index Options (if available) on that day; these Purchase Payments are generally not held in the Variable Option. However, if your allocation instructions include any Index Options that are temporarily unavailable on the Index Effective Date or an Index Anniversary, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">we will transfer the assets destined for the temporarily unavailable Index Options to the Variable Option and those assets will remain there until either, (1) we receive a change to allocation instructions that results in a transfer of these assets to available Index Option(s), or (2) you execute an Early Reallocation.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> To avoid having Index Option Value transferred to the Variable Option when an Index Option becomes temporarily unavailable, you must change your allocation instructions to transfer this Index Option Value to another available Index Option. We must receive this change before the end of the Business Day on the Term Start Date (or the next Business Day if the Term Start Date is a non-Business Day).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">We only allow Variable Account Value transfers into Index Options on an Index Anniversary unless you execute an Early Reallocation. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">By executing an Early Reallocation, you can choose to transfer the following assets from the Variable Option:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Purchase Payments you allocate to the Variable Option,</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Purchase Payments you allocate to the Index Options that we hold in the Variable Option on an interim basis,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a Contract Value increase to equal the Guaranteed Death Benefit Value due to the death of a Determining Life that we hold in the Variable Option on an interim basis, or</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">assets we hold in the Variable Option on an interim basis due to an Index Option becoming temporarily unavailable.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">We typically only allow Index Option Value transfers between Index Options, or into the Variable Option, on Term End Dates. However, you can transfer Index Option Value between Index Options before the Term End Date by executing a Performance Lock and an Early Reallocation. For multi-year Term Index Options, you can also transfer Index Option Value between Index Options before the Term End Date by executing a Performance Lock before the last year of the Term and changing your allocation instructions before the next Index Anniversary. We do not allow assets to move into an established Index Option until the Term End Date. If you request to transfer into an established Index Option on an Index Anniversary that is not a Term End Date, we will transfer those assets into the same Index Option (if available) with a new Term Start Date.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You select the Index Effective Date when you purchase your Contract. It can be any Business Day up to and including the first Quarterly Contract Anniversary, but it cannot be the 29</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of a month.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:145.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">On your application if you select…</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:348.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Your Index Effective Date will be either…</span></div> </div> </td> </tr> <tr style="height:39pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:145.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the earliest Index Effective 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:348.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• your Issue Date, or</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• the first Business Day of the next month if the Issue Date is the 29</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, 30</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, or 31</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> of a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">month</span></div> </div> </td> </tr> <tr style="height:49.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:145.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the deferred Index Effective Date</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:348.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• your first Quarterly Contract Anniversary, or</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• the next Business Day if the first Quarterly Contract Anniversary occurs on a non-Business </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Day, or the first Business Day of the next month if the first Quarterly Contract Anniversary </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">is the 29</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, 30</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, or 31</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> of a month</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less advantageous to you. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel your Contract, you will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment does </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> apply.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You may review future rates at least seven calendar days before their effectiveness at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">. Subject to the limitations related to designating the Index Effective Date, you (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">However, your new Index Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order at our Service Center before the end of the Business Day on which you want the Index Effective Date to occur. Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can change your allocation instructions at any time without fee or penalty. These changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to allocation instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone else to change these allocation instructions on your behalf. However, we must receive allocation instruction changes (which will transfer your Index Option Values) in Good Order at our Service Center before the end of the Business Day on the Term End Date (or the next Business Day if the Term End Date is a non-Business Day). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Changes to your allocation instructions will transfer existing Variable Account Value and Index Option Values on the Term End Date</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We notify you at least 30 days in advance of each Index Anniversary as a reminder that on the upcoming anniversary you may transfer Variable Account Value to the Index Options, or you may transfer Index Option Value between Index Options or to the Variable Option. In order to make a transfer between Investment Options, you must provide us with allocation instruction changes in Good Order. On each Term End Date, if we have not received allocation instruction changes from you, all assets invested continue to be invested in the same Index Options with new Term Start Dates (if available) subject to the renewal Trigger Rates, Caps, and Participation Rates for the new Term.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can add new Crediting Methods, Terms, and Indexes to your Contract in the future, and you can allocate Purchase Payments or transfer Contract Value to them on the Term Start Date after we make them available to you. Once we add a Crediting Method to your Contract we cannot remove it, or change how it calculates Performance Credits. Any new Index Option we add to your Contract after issue will indicate whether it can be made temporarily unavailable and, if so, when. If we add a new Index Option to your Contract, we cannot change its Buffer after it is established. For a new Index Option, the minimum Buffer is 5%. However, we can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates associated with any Index Option on each Term Start Date subject to the guaranteed minimums.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">With notice we may make Index Options temporarily unavailable if we are unable to support the minimum Trigger Rate or Cap on that Index Option. If we make an Index Option temporarily unavailable, we do not change your allocation instructions. We will transfer any assets held in or destined for a temporarily unavailable Index Option to the Variable Option if you do not change your allocation instructions to transfer to another available Index Option before the end of the Business Day on the Term Start Date (or the next Business Day if the Term Start Date is a non-Business Day). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">These assets will remain there until either, (1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">we receive a change to allocation instructions that results in a transfer of these </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">assets to available Index Option(s), or (2) you execute an Early Reallocation</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you transfer these assets to an available Index Option, they will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:38pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">In order to apply Purchase Payments we receive </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date to your selected Index Option(s) on </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the next Index Anniversary, we must receive them </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">before</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the end of the Business Day on the Index Anniversary (or </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">before the end of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">prior</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Business Day if the anniversary is a non-Business Day).</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">The Variable Option is subject to Contract fees and expenses (e.g. M&amp;E charge, contract maintenance charge) and </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">market risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Assets in the Variable Option may lose value, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">including any Purchase Payments or other assets we </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">hold in the Variable Option on an interim basis before transferring them to your selected Index Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Electronic Allocation Instructions</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use reasonable procedures to confirm that electronic allocation instructions given to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all fax, email and website instructions. We reserve the right to deny any allocation instruction change, and to discontinue or modify our electronic instruction privileges at any time for any reason.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please note that telephone, fax, email and/or the website may not always be available. Any electronic system, whether it is ours, yours, your service provider’s, or your Financial Professional’s, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your allocation instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should submit your instructions in writing to our Service Center.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">By authorizing electronic instructions, you authorize us to accept and act upon these instructions for your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You should protect your website password, because the website is available to anyone with your password; we cannot verify that the person providing instructions on the website is you, or is authorized by you.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Free Look/Right to Examine Period</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you change your mind about owning the Contract, you can cancel it within ten days after receiving it. We return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase Payment. If your cancellation request occurs after the Index Effective Date, your Contract Value will include the Daily Adjustment, which may be negative for amounts allocated to the Index Options. If you have an IRA Contract, we refund your Purchase Payments less withdrawals, or Contract Value, if greater. For IRA Contracts, we reserve the right to hold your initial Purchase Payment in the Variable Option until the free look period ends, and then re-allocate your money, less fees and expenses, according to your allocation instructions. If we exercise this right, the Contract Value we use to determine your refund amount on a cancellation request will not include the Daily Adjustment as the Index Effective Date will not yet have occurred. We do not assess a withdrawal charge or deduct any Contract fees or expenses other than the M&amp;E charge if you cancel your Contract during the free look period. If you take a withdrawal that is subject to a withdrawal charge and then cancel your Contract during the free look period, we will refund any previously deducted withdrawal charge upon cancellation. In the Contract, the free look provision is also called the right to examine.</span></div> <div style="line-height:13.0pt;margin-top:12pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">4.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Index Options</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Overview of the Index Options</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We apply positive, zero, or negative Performance Credits at the end of a Term to amounts allocated to an Index Option based, in part, on the performance of the applicable Index. An investment in an Index Option is not an investment in the Index or in any Index fund.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Options provide limited protection against negative Index Returns at the end of a Term through a Buffer. Despite the Buffer, you could lose a significant amount of money if the Index declines in value. You may also lose a significant amount of money due to a negative Daily Adjustment if amounts are removed from such other Index Options prior to the end of a Term.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract currently offers Index Options with different types of Crediting Methods, including the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy. We can add new Index Options to your Contract in </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the future. We can change certain features of an Index Option from one Term to the next, including the Index and the current limit on Index gains (subject to minimum guarantees). We cannot change an existing Index Option’s limit on Index losses (the Buffer) or how it calculates Performance Credits.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract typically only allows Index Option Value transfers between Index Options, or into the Variable Option, on Term End Dates unless you execute a Performance Lock and an Early Reallocation. The Contract only allows Variable Account Value transfers into Index Options on an Index Anniversary unless you execute an Early Reallocation. For multi-year Term Index Options, you can also transfer between Index Options and from the Index Options to the Variable Option before the Term End Date by executing a Performance Lock before the last year of the Term and changing your allocation instructions before the next Index Anniversary. For more information, see section 3, Purchasing the Contract – Allocation of Purchase Payments and Contract Value Transfers.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Information regarding the features of each currently offered Index Option, including (i) the Index’s name, (ii) a brief statement describing the assets that the Index seeks to track (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, U.S. large-cap equities), (iii) the Term length, (iv) the Index Option’s Crediting Methodology, (v) the current limit on Index loss, and (vi) the minimum limit on Index gain, is available in Appendix A – Investment Options Available Under the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Limits on Index Losses</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option offers a certain level of protection from negative Index Returns through the Buffer, which limits the amount of negative Index Return used in calculating Performance Credits for an Index Option at the end of a Term.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Buffer is the maximum amount of negative Index Return that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">we</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb before applying a negative Performance Credit. For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, we apply a Performance Credit of -15%, meaning your Contract Value allocated to that Index Option will decrease by 15% since the Term Start Date. This reflects the negative Index Return that exceeds the protection of the 10% Buffer.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently offer Index Options with 10%, 20%, and 30% Buffers.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to selecting an Index Option, you should evaluate the protection from negative Index Returns offered by an Index Option. See “Comparing Crediting Methods” later in this section for additional factors that you should consider when comparing Index Options. Also, see “How We Set Limits on Index Gains and Losses” below for a description of the factors that we consider when setting rates for the Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For detailed information on how we calculate Index Option Values and Performance Credits, see “Determining Index Option Values” and “Calculating Performance Credits” in section 6, Valuing Your Contract later in this prospectus.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Limits on Index Gains</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option also has an upside feature, either a Trigger Rate, Cap, and/or Participation Rate, used in the calculation of positive Performance Credits, if any, that may be credited to your investment at the end of a Term. We may limit the amount you can earn on an Index Option based on the Trigger Rate, Cap, or Participation Rate, as applicable.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Trigger Rate represents the positive Performance Credit, if any, that may apply on the Term End Date. The Index Precision Strategy and Index Dual Precision Strategy offer Index Options with a Trigger Rate.</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Precision Strategy, the Trigger Rate will apply if the Index Return is positive or zero. For example, if at the end of a Term, the Index Return is 6% and the Trigger Rate is 3%, we apply a Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date.</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Dual Precision Strategy, the Trigger Rate will apply if the Index Return is positive, zero, or to a limited extent, negative. For example, assume a Trigger Rate of 3% and a Buffer of 10%. If at the end of a Term, the Index Return is positive, zero, or negative but no lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, not in excess of the Buffer), we apply a positive Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date. However, if the negative Index Return were lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, in excess of the Buffer), we apply a negative Performance Credit equal to the negative Index Return plus the Buffer.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Cap represents the maximum positive Performance Credit, if any, applied on a Term End Date. For example, if at the end of a Term, the Index Return is 12% and the Cap is 10%, we apply a Performance Credit of 10%, meaning your Contract Value allocated to that Index Option will increase by 10% since the Term Start Date. The Index Performance Strategy offers Index Options with a Cap. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate (as described below).</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Participation Rate is the percentage that is multiplied by a positive Index Return in calculating a positive Performance Credit, if any, subject to any applicable Cap. For example, if at the end of a Term, the Participation Rate is 100%, the Cap is 15%, and the Index Return is 12% (which is lower than the Cap), we apply a Performance Credit of 12% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 100% x 12%). However, if the Index Return were instead 20% (which is higher than the Cap), we would apply the Cap and a Performance Credit of 15%. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Trigger Rate, Cap, and/or Participation Rate for an Index Option will change from Term to Term, subject to a specified guaranteed minimum that will not change for the life of that Index Option. Guaranteed minimum Trigger Rates, Caps, and/or Participation Rates vary by Index Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The lowest Trigger Rate, Cap, and Participation Rate that we may establish if we add a new Index Option to the Contract are 3%, 3%, and 100%, respectively.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current Trigger Rates, Caps, and Participation Rates being offered for new Terms of the available Index Options can be located at the following publicly accessible website: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Trigger Rates, Caps, and Participation Rates posted on that website address are incorporated by reference into this prospectus.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to selecting an Index Option, you should evaluate the Trigger Rates, Caps, and Participation Rates that we are offering. See “Comparing Crediting Methods” later in this section for additional factors that you should consider when comparing Index Options. Also, see “How We Set Limits on Index Gains and Losses” below for a description of the factors that we consider when setting rates for the Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For detailed information on how we calculate Index Option Values and Performance Credits, see “Determining Index Option Values” and “Calculating Performance Credits” in section 6, Valuing Your Contract later in this prospectus.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">How We Set Limits on Index Gains and Losses</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We set Trigger Rates, Caps, and Participation Rates in our discretion, subject to applicable guaranteed minimums. The rates applicable to new terms may differ for initial Terms, renewal Terms, and Early Reallocations. When setting these limits on Index gains, we consider a variety of factors, including, but not limited to:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Term length,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">level of downside protection,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">market volatility,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our hedging strategies and investment performance,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the availability of hedging instruments,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the amount of money available to us through Contract fees and expenses to purchase hedging instruments,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">expenses incurred by the Company,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">your Index Effective Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the level of interest rates,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">utilization of Contract benefits by Owners, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our profitability goals.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We also set the limits on Index losses for new Index Options (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Buffers) in our discretion, but the Buffer will be no lower than 5%. When setting limits on Index losses, we consider many of the factors listed above, as well as the fact that an Index Option’s limit on Index loss will not change for the life of the Index Option.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Due to a combination of factors, including potential changes in interest rates and other market conditions (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rising inflation), the current economic environment is evolving. The future impact on the rates we declare cannot be predicted with certainty. The effect of a change in interest rates or other market conditions may not be direct or immediate. There may be a lag in changes to Trigger Rates, Caps, and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in initial Trigger Rates, Caps, and Participation Rates, if any, may be substantially slower than increases in interest rates. However, a rising interest rate environment may have the opposite effect on renewal rates and cause renewal Trigger Rates, Caps, and Participation Rates to decrease.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We manage our obligation to provide Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued Contracts and renewal and Early Reallocation rates for existing Contracts is the difference in what we can earn from these investments for newly issued Contracts versus what we are earning on the investments that were made for existing Contracts. In some instances, we may need to reduce initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive Performance Credits.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Terms</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently offer Index Options with 1-year, 3-year, and 6-year Terms. Not all Term lengths are available for all types of Crediting Methods. Each Crediting Method offers 1-year Terms. The Index Performance Strategy also offers 3-year and 6-year Terms.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to selecting an Index Option, you should evaluate the various Term lengths. You should consider which Term lengths may be appropriate for you based on your liquidity needs, investment time horizon, and financial goals. Investing in Index Options with shorter Terms will provide more opportunities for Performance Credits and transferring Contract Value; however, assuming the same Index and limit on Index loss, Index Options with shorter Terms generally tend to have less potential for Index gains. Conversely, investing in Index Options with longer Terms will provide fewer opportunities for Performance Credits and transferring Contract Value; however, assuming the same Index and limit on Index loss, Index Options with longer Terms generally tend to have more potential for gain. Some of the other factors to consider include:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">How long you intend to hold the Contract.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment for Index Options with Term lengths of more than 1-year (including multi-year Terms or extended Term lengths resulting from Early Reallocation) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The risk of a negative Daily Adjustment is generally greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For shorter Term lengths, there is more certainty in both the final Index Values and how Trigger Rates, Caps, and Buffers determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amounts must remain in an Index Option until the end of its Term to receive a Performance Credit and to avoid a possible negative Daily Adjustment, potential withdrawal charges, and any applicable tax consequences.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The Daily Adjustment applies to full or partial withdrawals taken from an Index Option before the end of a Term. The Daily Adjustment also applies if, before the Term End Date, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct Contract fees and expenses. For more information, see section 7, Expenses and Adjustments – Daily Adjustment.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Maturity</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps, and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer Variable Account Value and Index Option Values on the upcoming Term End Date. Renewal rates could be higher or lower than your current Trigger Rates, Caps, and Participation Rates, subject to the guaranteed minimums. On each Term End Date, you have the option of </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">remaining allocated to your current Index Options (if available) at the renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to another permitted Investment Option, subject to the limitations on transfers from an Index Option to the Variable Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At least seven calendar days before each Index Anniversary, we publish renewal rates for the next Term Start Date for your review in your account on our website, and on our public website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILANYRates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or you can call (800) 624-0197 to obtain the rates. If you do not review renewal rate change information when it is published or take no action to transfer to another permitted Investment Option, you will remain allocated to your current Index Options (if available) and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For more information regarding your availability to transfer into new Index Options, see section 3, Purchasing the Contract – Allocation of Purchase Payments and Contract Value Transfers.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Indexes</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract currently offers Index Options using the following Indexes. For more information on the Indexes, please see Appendix B – Available Indexes. Please note that Index Values used to calculate Performance Credits are based on the Index’s closing value (for an Index that is a market index) or closing share price (for an Index that is an ETF).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:10pt;"> Index, 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:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, and EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are all “price return indexes,” not “total return indexes,” and therefore do not reflect dividends paid on the securities composing the Index. This will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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:10pt;font-weight:bold;"> Index</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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:10pt;"> Index is comprised of equity securities issued by large-capitalization U.S. companies.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;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:10pt;font-weight:bold;"> Index</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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:10pt;"> Index is comprised of equity securities of small-capitalization U.S. companies.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Nasdaq-100</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:10pt;font-weight:bold;"> Index</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry groups except the financial industry.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EURO STOXX 50</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:10pt;">. The EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is comprised of the equity securities of large-capitalization companies in the Eurozone.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Substitutions and Additions</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may substitute a new Index for an existing Index if:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index is discontinued,</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">we are unable to use the Index because, for example, changes to an Index make it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index, or</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the method of calculation of the Index Values changes substantially, resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the types of securities tracked, or the weighting of different categories of securities.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we add or substitute an Index, we first seek any required regulatory approval from the New York Department of Financial Services and then provide you with written notice. We also provide you with written notice if an Index changes its name. Index substitutions can occur either on a Term Start Date or during a Term. If we substitute an Index during a Term, we will combine the return of the previously available substituted Index from the Term Start Date to the substitution date with the return of the new Index from the substitution date to the Term End Date. If we substitute an Index during a Term, the Buffers, Trigger Rates, Caps, and Participation Rates for the substituted Index will apply to the new Index. We do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> change the Buffers, Trigger Rates, Caps, or Participation Rates that were in effect on the Term Start Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Similarly, if we substitute an Index on a Term Start Date, the applicable Buffer, and minimum Trigger Rate, Cap, or Participation Rate will not change.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Changes to Trigger Rates, Caps, and Participation Rates associated with the new Index, if any, may occur at the next regularly scheduled Term Start Date, subject to their respective minimums.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The selection of a substitution Index is in our discretion; however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will substitute any equity Index with a broad-based equity index. In </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the event a suitable replacement Index is not available, after seeking any required regulatory approval, we will provide you written notice and information regarding the remaining available Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Historical Returns</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The bar charts shown below provide each Index’s annual returns for the last 10 calendar years, as well as the Index returns after applying a hypothetical 5% Cap and a hypothetical 10% Buffer. The charts illustrate the variability of the returns from year to year and show how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The performance below is NOT the performance of any Index 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 Index Options, and does not reflect Contract fees and expenses, including the withdrawal charge and Daily Adjustment, which may reduce performance.</span></div><img alt=" " src="sp500.jpg" style="height:257pt;width:494pt;"/><div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="nas1000.jpg" style="height:257pt;width:494pt;"/><div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="russ2000.jpg" style="height:257pt;width:494pt;"/><div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="eurostoxx50.jpg" style="height:257pt;width:494pt;"/><div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">How the Crediting Methods Work</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Dual Precision Strategy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit using the “point-to-point with step-up” method of calculation.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You receive a Performance Credit equal to the Trigger Rate if the Index Value on the Term End Date is:</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">equal to or greater than the Index Value on the Term Start Date, regardless of the amount of actual Index Return, or</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">less than the Index Value on the Term Start Date and the loss is less than or equal to the 10% Buffer.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is negative and extends beyond the 10% Buffer, the negative Performance Credit is equal to the negative Index Return plus the 10% Buffer. You participate in any losses in excess of the 10% Buffer.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Precision Strategy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit using the “point-to-point with step-up” method of calculation.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Value on the Term End Date is equal to or greater than the Index Value on the Term Start Date, regardless of the amount of actual Index Return, the Performance Credit is equal to the Trigger Rate.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is negative and the loss:</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is less than or equal to the 10% Buffer, the Performance Credit is zero. We absorb any loss up to the 10% Buffer.</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">extends beyond the 10% Buffer, the negative Performance Credit is equal to the negative Index Return plus the 10% Buffer. You participate in any losses in excess of the 10% Buffer.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Performance Strategy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit. The 1-year Term Index Options use the “point-to-point with Cap” method of calculation. The 3-year and 6-year Term Index Options use the “point-to-point with Cap and enhanced upside” method of calculation.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is positive, the Performance Credit is equal to:</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index Return up to the Cap for a 1-year Term. If the 1-year Term is uncapped, the Performance Credit is equal to the Index Return.</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index Return multiplied by the Participation Rate, up to the Cap for a 3-year or 6-year Term. If the 3-year or 6-year Term is uncapped, the Performance Credit is equal to the Index Return multiplied by the Participation Rate. We apply the Participation Rate and Cap for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> apply the Participation Rate and Cap annually on a 3-year or 6-year Term.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Value on the Term End Date is equal to the Index Value on the Term Start Date, the Performance Credit is zero.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is negative and the loss:</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is less than or equal to the 10%, 20%, or 30% Buffer, the Performance Credit is zero. We absorb any loss up to the 10%, 20%, or 30% Buffer. We apply the Buffer for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> apply the Buffer annually on a 3-year or 6-year Term Index Option.</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">extends beyond the 10%, 20%, or 30% Buffer, the negative Performance Credit is equal to the negative Index Return plus the 10%, 20%, or 30% Buffer. You participate in any losses in excess of the 10%, 20%, or 30% Buffer.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:50pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">The Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy allow negative </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Performance Credits. As a result, you could lose a significant amount of money in the form of negative </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Performance Credits if an Index declines in value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">The maximum potential negative Performance Credit is: </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">-90% with a 10% Buffer, -80% with a 20% Buffer, and -70% with a 30% Buffer.</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Because we calculate Index Returns only on a single date in time, you may experience negative or flat </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">performance even though the Index you selected for a given Crediting Method experienced gains through </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">some, or most, of the Term.</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">an Index Performance Strategy Index Option is “uncapped” for one Term (i.e., we do not declare a Cap for </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">that Term) it does not mean that we will not declare a Cap for it on future Term Start Dates.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> On the next Term </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Start Date we can declare a Cap for the next Term, or declare it to be uncapped.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Comparing Crediting Methods</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Crediting Methods have different risk and return potentials.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the asset protection?</span></div> </div> </td> </tr> <tr style="height:86pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Protection is equal to what is available with the Index Precision Strategy. Protection may be equal to </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or less than what is available with the Index Performance Strategy depending on the Index Option.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Buffer absorbs 10% of loss, but you receive a negative Performance Credit for losses greater than </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">10%.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Potential for large losses in any Term.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• More sensitive to large negative market movements because small negative market movements </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">within the 10% Buffer result in a positive Performance Credit.</span></div> </div> </td> </tr> <tr style="height:98pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Protection is equal to what is available with the Index Dual Precision Strategy. Protection may be </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">equal to or less than what is available with the Index Performance Strategy depending on the Index </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Option.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Buffer absorbs 10% of loss, but you receive a negative Performance Credit for losses greater than </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">10%.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Potential for large losses in any Term.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• More sensitive to large negative market movements because small negative market movements are </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">absorbed by the 10% Buffer.</span></div> </div> </td> </tr> <tr style="height:133pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Index Options with a 10% Buffer provide the same protection as the Index Dual Precision Strategy </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Index Precision Strategy. Index Options with a 20% or 30% Buffer have more protection than </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">what is available with the Index Dual Precision Strategy and Index Precision Strategy.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Buffer absorbs 10%, 20%, or 30% of loss depending on the Index Option you select, but you receive </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a negative Performance Credit for losses greater than the Buffer.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Potential for large losses in any Term.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• More sensitive to large negative market movements because small or moderate negative market </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">movements are absorbed by the Buffer.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• In extended periods of moderate to large negative market performance, 3-year and 6-year Terms may </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">provide less protection than the 1-year Terms because, in part, the Buffer is applied over a longer </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">period of time.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the growth opportunity?</span></div> </div> </td> </tr> <tr style="height:50pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Trigger Rates.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in periods of small negative market movements as it provides a positive </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Credit in these environments while other Crediting Methods do not.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally less growth opportunity than the Index Precision Strategy and Index Performance Strategy.</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Trigger Rates.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in periods of small positive market movements.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally more growth opportunity than the Index Dual Precision Strategy. However, less growth </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">opportunity than the Index Dual Precision Strategy during periods of small negative market </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">movements.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity may be more or less than the Index Performance Strategy depending on Caps.</span></div> </div> </td> </tr> <tr style="height:133pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Caps and/or Participation Rates. We do </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> apply the Cap annually </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">on 3-year and 6-year Term Index Options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If we do not declare a Cap for an Index Option, there is </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">no maximum limit on the positive Index Return for that Index Option. In addition, you can </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">receive more than the positive Index Return if the Participation Rate applies and is greater </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">than its 100% minimum. However, the Participation Rate cannot boost Index Returns beyond a </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">declared Cap.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in a strong market.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• 1-year Term with 10% Buffer Index Options, 3-year Term with 10% or 20% Buffer Index Options, and </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">6-year Term with 10% or 20% Buffer Index Options have the most growth opportunity.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity for the 1-year Term with 20% or 30% Buffer may be less than the Index Dual </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy and Index Precision Strategy depending on Trigger Rates and Caps.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What can change within a Crediting Method?</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term has a 5% minimum Trigger Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The 10% Buffers for the currently available Index Options cannot change. However, if we add a new </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Index Option to your Contract. The minimum Buffer is 5% for a new Index Option.</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term has a 5% minimum Trigger Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The 10% Buffers for the currently available Index Options cannot change. However, if we add a new </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Index Option to your Contract. The minimum Buffer is 5% for a new Index Option.</span></div> </div> </td> </tr> <tr style="height:169pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Caps and/or Participation Rates for existing Contracts can change on </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Term Start Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term with 30% Buffer has a 3% minimum Cap.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term with 20% Buffer has a 4% minimum Cap.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term with 10% Buffer has a 5% minimum Cap.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3-year Term with 30% Buffer has a 9% minimum Cap, and 100% minimum Participation Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3-year Term with 20% Buffer has a 12% minimum Cap, and 100% minimum Participation Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3-year Term with 10% Buffer has a 15% minimum Cap, and 100% minimum Participation Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6-year Term with 30% Buffer has a 18% minimum Cap, and 100% minimum Participation Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6-year Term with 20% Buffer has a 24% minimum Cap, and 100% minimum Participation Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6-year Term with 10% Buffer has a 30% minimum Cap, and 100% minimum Participation Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The 10%, 20%, and 30% Buffers for the currently available Index Options cannot change. However, if </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">date we add the Index Option to your Contract. The minimum Buffer is 5% for a new Index Option.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:38pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">You participate in any negative Index Return in excess of the Buffer</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, which reduces your Contract Value. For </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">example, for a 10% Buffer we absorb the first -10% of Index Return and you could lose up to 90% of the Index Option </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Value.</span></div> </div> </td> </tr> <tr style="height:60pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• Trigger Rates, Caps, and Participation Rates as set by us from time-to-time may vary substantially based on market </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">conditions. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">However, in extreme market environments, it is possible that all Trigger Rates, Caps, and Participation </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">Rates will be reduced to their respective minimums of 3%, 4%, 5%, 9%, 12%, 15%, 18%, 24%, 30%, or 100% as </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">stated in the table above</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> Note that the minimum Early Reallocation Trigger Rates or Caps will be at least equal to </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">these minimums, but could be higher as discussed in section 6, Valuing Your Contract – Early Reallocation.</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• If your Contract is within its free look period you may be able to take advantage of any increase in initial Trigger </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Rates, Caps, and/or Participation Rates by cancelling your Contract and purchasing a new Contract.</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• If the initial Trigger Rates, Caps, and/or Participation Rates available on the Index Effective Date are not acceptable </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">you have the following options:</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cancel your Contract if you are still within the free look period. If you took a withdrawal that was subject to a </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:19pt;">withdrawal charge, we will refund any previously deducted withdrawal charge upon a free look cancellation.</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Request to extend your Index Effective Date if you have not reached your first Quarterly Contract Anniversary.</span></div> </div> </td> </tr> <tr style="height:48pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If the free look period has expired, request a full withdrawal and receive the Cash Value. This withdrawal is subject </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:19pt;">to withdrawal charges, income taxes, and may also be subject to a 10% additional federal tax for amounts </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:19pt;">withdrawn before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. If this occurs </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on or before</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date, the Daily </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:19pt;">Adjustment does </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> apply. If this occurs </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date, you </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">are</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> subject to the Daily Adjustment.</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Trigger Rates, Caps, and Participation Rates can be different from Index Option to Index Option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. For example, </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Caps for the Index Performance Strategy 1-year Terms can be different between the S&amp;P 500® Index and the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Nasdaq-100® Index; and Caps for the S&amp;P 500® Index can be different between 1-year, 3-year, and 6-year Terms on </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">the Index Performance Strategy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Initial, renewal, and Early Reallocation rates may also be different from </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">Contract-to-Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> For example, assume that on May 1, 2026 we set Caps for the Index Performance Strategy </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">1-year Term with 10% Buffer using the S&amp;P 500® Index as follows:</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">13% initial rate and 12% Early Reallocation rate for new Contracts issued in 2026,</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">14% renewal rate and 14% Early Reallocation rate for existing Contracts issued in 2025, and</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">12% renewal rate and 13% Early Reallocation rate for existing Contracts issued in 2024.</span></div> </div> </td> </tr> </table> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We apply positive, zero, or negative Performance Credits at the end of a Term to amounts allocated to an Index Option based, in part, on the performance of the applicable Index. An investment in an Index Option is not an investment in the Index or in any Index fund.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Limits on Index Losses</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option offers a certain level of protection from negative Index Returns through the Buffer, which limits the amount of negative Index Return used in calculating Performance Credits for an Index Option at the end of a Term.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Buffer is the maximum amount of negative Index Return that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">we</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb before applying a negative Performance Credit. For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, we apply a Performance Credit of -15%, meaning your Contract Value allocated to that Index Option will decrease by 15% since the Term Start Date. This reflects the negative Index Return that exceeds the protection of the 10% Buffer.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently offer Index Options with 10%, 20%, and 30% Buffers.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to selecting an Index Option, you should evaluate the protection from negative Index Returns offered by an Index Option. See “Comparing Crediting Methods” later in this section for additional factors that you should consider when comparing Index Options. Also, see “How We Set Limits on Index Gains and Losses” below for a description of the factors that we consider when setting rates for the Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For detailed information on how we calculate Index Option Values and Performance Credits, see “Determining Index Option Values” and “Calculating Performance Credits” in section 6, Valuing Your Contract later in this prospectus.</span></div> However, we reserve the right to add new Index Options. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option. <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Limits on Index Gains</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option also has an upside feature, either a Trigger Rate, Cap, and/or Participation Rate, used in the calculation of positive Performance Credits, if any, that may be credited to your investment at the end of a Term. We may limit the amount you can earn on an Index Option based on the Trigger Rate, Cap, or Participation Rate, as applicable.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Trigger Rate represents the positive Performance Credit, if any, that may apply on the Term End Date. The Index Precision Strategy and Index Dual Precision Strategy offer Index Options with a Trigger Rate.</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Precision Strategy, the Trigger Rate will apply if the Index Return is positive or zero. For example, if at the end of a Term, the Index Return is 6% and the Trigger Rate is 3%, we apply a Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date.</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Dual Precision Strategy, the Trigger Rate will apply if the Index Return is positive, zero, or to a limited extent, negative. For example, assume a Trigger Rate of 3% and a Buffer of 10%. If at the end of a Term, the Index Return is positive, zero, or negative but no lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, not in excess of the Buffer), we apply a positive Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date. However, if the negative Index Return were lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, in excess of the Buffer), we apply a negative Performance Credit equal to the negative Index Return plus the Buffer.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Cap represents the maximum positive Performance Credit, if any, applied on a Term End Date. For example, if at the end of a Term, the Index Return is 12% and the Cap is 10%, we apply a Performance Credit of 10%, meaning your Contract Value allocated to that Index Option will increase by 10% since the Term Start Date. The Index Performance Strategy offers Index Options with a Cap. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate (as described below).</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Participation Rate is the percentage that is multiplied by a positive Index Return in calculating a positive Performance Credit, if any, subject to any applicable Cap. For example, if at the end of a Term, the Participation Rate is 100%, the Cap is 15%, and the Index Return is 12% (which is lower than the Cap), we apply a Performance Credit of 12% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 100% x 12%). However, if the Index Return were instead 20% (which is higher than the Cap), we would apply the Cap and a Performance Credit of 15%. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Trigger Rate, Cap, and/or Participation Rate for an Index Option will change from Term to Term, subject to a specified guaranteed minimum that will not change for the life of that Index Option. Guaranteed minimum Trigger Rates, Caps, and/or Participation Rates vary by Index Option.</span></div> <img alt=" " src="sp500.jpg" style="height:257pt;width:494pt;"/><div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="nas1000.jpg" style="height:257pt;width:494pt;"/><div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="russ2000.jpg" style="height:257pt;width:494pt;"/><div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="eurostoxx50.jpg" style="height:257pt;width:494pt;"/><div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">The Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy allow negative </span> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Performance Credits. As a result, you could lose a significant amount of money in the form of negative </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Performance Credits if an Index declines in value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">The maximum potential negative Performance Credit is: </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">-90% with a 10% Buffer, -80% with a 20% Buffer, and -70% with a 30% Buffer.</span></div> The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. Its purpose is to provide investors an interim Index Option Value upon which withdrawals or other transactions subject to the Daily Adjustment can occur in between a Term Start Date and Term End Date. <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">The Variable Option is not subject to the Daily Adjustment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If, before the Term End Date, you take a full or partial withdrawal, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or when we deduct Contract fees and expenses, we calculate the Index Option Value by applying the Daily Adjustment.</span> The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine RMD payments, and contract maintenance charge. You can review your Index Option Values, which include the Daily Adjustment, in your account on our website. Please note that the values available for review are calculated as of the close of the <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">prior</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day and may differ from the values you receive.</span> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment primarily takes into account:</span></div> <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:9.43pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(i)</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any Index gains during the Term subject to the applicable Trigger Rate, Cap, and/or Participation Rate,</span></div> <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:12.2pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(ii)</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">for the Index Dual Precision Strategy, any Index losses less than or equal to the 10% Buffer,</span></div> <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:14.97pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(iii)</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any Index losses greater than the 10%, 20%, or 30% Buffer, and</span></div> <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:14.43pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(iv)</span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the number of days until the Term End Date.</span></div> 0.99 <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Such losses will be greater if the amount withdrawn is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A withdrawal taken during the Term may not receive the full benefit of the Buffer because the Daily Adjustment takes into account what may potentially happen between the withdrawal date and the Term End Date. All other factors being equal, even if the current Index return during the Term is greater than the Trigger Rate or Cap, the Daily Adjustment will usually be lower than the Cap or Trigger Rate. For the Index Precision Strategy, even if the current Index return during the Term is greater than or equal to zero, the Daily Adjustment will usually be lower than the Trigger Rate. For the Index Dual Precision Strategy, even if the Index return is greater than -10%, the Daily Adjustment will usually be lower than the Trigger Rate. This is because there is a possibility that the Index return could decrease before the Term End Date. Similarly, even though a negative Index return may be within the 10%, 20%, or 30% Buffer, you still may receive a negative Daily Adjustment because there is a possibility that the Index Return could decrease before the Term End Date. The Daily Adjustment for Index Options with a Term length of more than 1 year may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily Adjustment is generally greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length. 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">A negative Daily Adjustment may cause you to realize loss of principal and previous earnings.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:13.0pt;margin-top:12pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:0pt;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">10.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Benefits Available Under the Contract</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following tables summarize information about the benefits available under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:116pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Privilege</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw up to 10% of your total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments each Contract Year without </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">incurring a withdrawal charge.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available upon a full withdrawal.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Unused free withdrawal amounts not available in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">future years.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income taxes, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and may also be subject to a 10% additional </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax for amounts withdrawn before age </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> </tr> <tr style="height:171pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to automatically take withdrawals to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">satisfy the required minimum distribution </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">requirements (RMD) imposed by the Internal </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Revenue Code.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available to IRA or SEP IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally required for Inherited IRA and Inherited </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Roth IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income taxes.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be monthly, quarterly, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">semi-annual or annual, unless you have less than </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">$25,000 in Contract Value, in which case only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annual payments are available.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to discontinue or modify the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">program subject to the requirements of law.</span></div> </div> </td> </tr> <tr style="height:233.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waives withdrawal charges if you are confined for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">care or are unable to perform at least two out of six </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">activities of daily living (ADLs).</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Confinement must begin after the first Contract </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary, be for at least 90 days in a 120-day </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">period, and requires proof of stay. We require </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional proof of qualification for this benefit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annually.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Inability to perform two ADLs must be for at least </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">90 continuous days and may require an exam or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">tests by a physician.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available if, on the Issue Date, any Owner was </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">confined to an eligible facility, or unable to perform </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">all six ADLs.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are not subject to withdrawal </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">charges, but are subject to income taxes, and may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">also be subject to a 10% additional federal tax for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amounts withdrawn before age 59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• State variations may apply.</span></div> </div> </td> </tr> </table> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:100pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greater of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value, or Guaranteed Death Benefit Value. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Guaranteed Death Benefit Value is total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Examples of the death benefit provided by the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Traditional Death Benefit, and how withdrawals </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">impact this benefit, are included in section 11, Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustments, may significantly reduce the benefit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">as indicated in section 11, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> </div> </td> </tr> <tr style="height:365.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance Lock</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to capture the current Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">during the Term for an Index Option. Can help </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">eliminate doubt about future Index performance and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">possibly limit the impact of negative performance. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Can allow you to transfer out of an Index Option </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A Performance Lock example is included in section </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6, Valuing Your Contract — Performance Locks.</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•  Performance Locks must be executed before the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed, the locked </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option will no longer participate in Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance (positive or negative) for the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">remainder of the Term, and will not receive a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Credit on the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You will not know your locked Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in advance.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The locked Index Option Value will reflect a Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed when the Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment has declined, it will lock in any loss.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• A Performance Lock can be executed only once </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Term for each Index Option.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot execute a Performance Lock for only a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">portion of the Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions (e.g. withdrawals, fees) decrease the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">locked Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot transfer locked Index Option Value until the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">next Index Anniversary that occurs on or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">immediately after the Lock Date unless you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">execute an Early Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or the optimal time for doing </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">so, if any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock at a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses related </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">to your decision whether or not to execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock.</span></div> </div> </td> </tr> </table> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:255.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early Reallocation</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to transfer out all assets you allocate to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Variable Option, and/or that we hold in the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Variable Option on an interim basis, and/or all assets </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in locked Index Options on days other than an Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An Early Reallocation Request example is included </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in section 6, Valuing Your Contract — Early </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Reallocation.</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early Reallocation requests are not accepted </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before the Index Effective Date, or within 14 </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">calendar days before an Index Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Index Performance Strategy 6-year Term Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options and the Variable Option are not available </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">as destinations for an Early Reallocation transfer.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On October 13, 2026, the limit for Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Reallocations increases from 12 each Index Year </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">to 24.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• All Index Options can be temporarily unavailable </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">for Early Reallocation at any time, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">which means </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">there may be times when Early Reallocation is </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">unavailable to you.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute an Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation or the optimal time for doing so, if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute an Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation at a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses related </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">to your decision whether or not to execute an </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Early Reallocation.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">11.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Death Benefit</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">“You” in this section refers to the Owner, or the Annuitant if the Contract is owned by a non-individual.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract provides the Traditional Death Benefit for no additional charge. The death benefit is the greater of the Contract Value, or Guaranteed Death Benefit Value. The Traditional Death Benefit’s Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge).</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The death benefit is only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information, which is either a Valid Claim or due proof of death as stated here. (For information on due proof of death see the Glossary – Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day’s prices.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If there are multiple Beneficiaries, each Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary’s interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct us to pay Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary’s portion of the death benefit remains in the Investment Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is Variable Account Value in the Variable Option awaiting transfer to the Index Options on the date of death, it remains there until the next Index Anniversary. If an Index Anniversary occurs before we receive a Valid Claim, we will transfer that Beneficiary’s portion of the Variable Account Value destined for the Index Options based on the allocation instructions that were in effect on the date of death.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">From the time we determine the death benefit until we make a complete distribution, any amount in the Investment Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may </span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">no longer accept or process transfer requests. After we receive the first Valid Claim from any Beneficiary, we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first death of a Determining Life during the Accumulation Phase, if the Traditional Death Benefit is in effect, your Beneficiary(ies) will receive the greater of the Contract Value or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). For example, assume total Purchase Payments are $90,000, you take no withdrawals, and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the date we are determining the death benefit is not the Term End Date, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any withdrawal charge), determined at the end of each Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All withdrawals you take reduce the Guaranteed Death Benefit Value and Contract Value, even Penalty-Free Withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Deductions for Contract fees and expenses will, however, decrease the Contract Value by the dollar amount withdrawn. In addition, because the death benefit is the greater of Contract Value or the Guaranteed Death Benefit Value, deductions we make for Contract fees and expenses may reduce the death benefit available to your Beneficiaries.</span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawal Example</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These calculations show the effects of taking a withdrawal on the Contract Value and available Guaranteed Death Benefit Value. Withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the Traditional Death Benefit’s Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The example assumes a withdrawal of $5,000 once per year on days that are not Term End Dates starting when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000. The first withdrawal assumes that there is no amount remaining under the free withdrawal privilege for that year, so that withdrawal is subject to an 8% withdrawal charge. Subsequent withdrawals are all taken under the free withdrawal privilege. All fractional numbers in these examples have been rounded up to the next whole number. All Contract Value figures reflect the Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:18.0pt;text-align:left;"> <div style="margin-top:18pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:27pt;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:196.95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.02%;margin-right:1.52%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:3.59%;margin-right:3.59%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.40%;margin-right:0.94%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Traditional Death Benefit’s Guaranteed Death Benefit</span></div> </div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (subject to an 8%</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– [$5,000 ÷ (1 – 8%)]</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($5,435 ÷ 100,000) x 90,000]</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount withdrawn</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $5,435</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,892</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,565</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,108</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:196.95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,108</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (not subject to a</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $5,000</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($5,000 ÷ 97,000) x 85,108]</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount withdrawn</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,000</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,388</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 92,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,720</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:196.95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,720</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (not subject to a</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $5,000</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($5,000 ÷ 80,000) x 80,720]</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount withdrawn</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,000</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,045</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,000</span></div> </div> </td> <td style="padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,675</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit is the greater of the Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$94,565 Contract Value after the first withdrawal.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$92,000 Contract Value after the second withdrawal.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$75,675 Guaranteed Death Benefit Value after the third withdrawal.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">What Happens Upon Death?</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and die simultaneously as described in the discussion of Beneficiaries in section 2, Ownership, Annuitants, Determining Life, Beneficiaries and Payees, we determine the Traditional Death Benefit at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Guaranteed Death Benefit Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:14pt;margin-top:7.5pt;text-align:left;"> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In this instance, if the Beneficiary:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is a surviving spouse and chooses to continue the Contract;</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">selects death benefit payment Option B; or</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">selects death benefit payment Option C and takes payment over a period not extending beyond the Beneficiary’s life expectancy;</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:14pt;margin-top:7.5pt;text-align:left;"> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater when we receive a Valid Claim.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you and the Determining Life (Lives) are different individuals and do not die simultaneously, the death benefit is as follows. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">This can only occur if you change the Owner after the Issue Date.</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If a Determining Life dies before you, we do not pay a death benefit to the Beneficiary(ies), but we may increase the Contract Value if the Traditional Death Benefit is still in effect</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. At the end of the Business Day we receive due proof of a Determining Life’s death, we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">and the Traditional Death Benefit ends</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon your death, your Beneficiary(ies) receive the Contract Value determined at the end of the Business Day during which we receive each Beneficiary’s Valid Claim.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, if we increase the Contract Value to equal the Guaranteed Death Benefit Value, we allocate this increase to the Variable Option. On the next Index Anniversary, we transfer these assets according to the allocation instructions. However, if the allocation instructions include any temporarily unavailable Index Option(s), those assets will remain in the Variable Option until either, (1) we receive a change to allocation instructions that transfer these assets to available Index Option(s), or (2) an Early Reallocation is executed. Executing an Early Reallocation will result in the remaining time prior to your next Index Anniversary being added to your new Term length. For example, assume your next Index Anniversary is in four months. At this point, you elect an Early Reallocation and choose a new 3-Year term Index Option. The remaining four months prior to the next Index Anniversary will be added to the new 3-year Term for your newly selected Index Option, extending the new Term length to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">40 months</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Traditional Death Benefit ends upon the earliest of the following:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day before the Annuity Date.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individual, or if you and the Determining Life (Lives) are different individuals and die simultaneously.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life’s death if you and the Determining Life (Lives) are different individuals and do not die simultaneously.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Contract ends.</span></div> </div></div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;text-align:left;width:489pt;"><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We base the Guaranteed Death Benefit Value on the first death of a Determining Life (or Lives). This means that upon </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the death of an Owner (or Annuitant if the Owner is a non-individual), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">if a surviving spouse continues</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the Contract, the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Guaranteed Death Benefit Value is no longer available</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Also, if you and the Determining Life (Lives) are different </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">individuals and you die first, the Guaranteed Death Benefit Value is not available to your Beneficiary(ies).</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death of the Owner and/or Annuitant</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The SAI includes tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different phases of the Contract.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options During the Accumulation Phase</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary must select one of the death benefit payment options listed below.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Beneficiary requests a lump sum payment under Option A, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spousal Continuation:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the Beneficiary is the deceased Owner’s spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. However, spousal continuation is not available if this is an Inherited IRA, or Inherited Roth IRA (i.e., spousal continuation is not available to a successor beneficiary - the spouse of the original Beneficiary). For an IRA, Roth IRA, or SEP IRA Contract, spousal continuation can only occur if the surviving spouse is the Contract’s sole primary Beneficiary. For Qualified Contracts purchased </span></div> </div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">through a qualified plan, spousal continuation is only available through a direct rollover to an IRA. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spouses must qualify as such under federal law to continue the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim, we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and the Traditional Death Benefit ends. If the surviving spouse continues the Contract:</span></div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">he or she becomes the new Owner and may exercise all of the Owner’s rights, including naming a new Beneficiary or Beneficiaries;</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">he or she is subject to any remaining withdrawal charge period; and</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">upon the surviving spouse’s death, their Beneficiary(ies) receive the Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.</span></div> </div></div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following applies to Non-Qualified Contracts. Different rules may apply to Qualified Contracts. For more information, please see section 12, Taxes – Distributions Upon the Owner’s Death (or Annuitant’s Death if the Owner is a Non-Individual).</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option A:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Lump sum payment of the death benefit.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option B:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Payment of the entire death benefit within five years of the date of any Owner’s death. The Beneficiary can continue to make transfers between Investment Options and is subject to a 1.25% M&amp;E charge for any amounts allocated to the Variable Option.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option C:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the Beneficiary is an individual, payment of the death benefit as Annuity Payments under Annuity Options A, B, or C. If you take the death benefit as Annuity Payments, we do not require that the Annuity Date occur on an Index Anniversary. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary’s life expectancy under which the Beneficiary can continue to make transfers between Investment Options and is subject to a 1.25% M&amp;E charge for any amounts allocated to the Variable Option.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Distribution from Non-Qualified Contracts under Option C must begin within one year of the date of the Owner’s death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner’s death must be distributed within five years of the date of death.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Non-Qualified Contract is owned by a non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Code’s distribution at death rules, which are set forth in Section 72(s) of the Code.</span></div> </div> <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In all events, notwithstanding any provision to the contrary in the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.</span></div> </div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:116pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Privilege</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw up to 10% of your total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments each Contract Year without </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">incurring a withdrawal charge.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available upon a full withdrawal.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Unused free withdrawal amounts not available in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">future years.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income taxes, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and may also be subject to a 10% additional </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax for amounts withdrawn before age </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> </tr> <tr style="height:171pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to automatically take withdrawals to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">satisfy the required minimum distribution </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">requirements (RMD) imposed by the Internal </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Revenue Code.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available to IRA or SEP IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally required for Inherited IRA and Inherited </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Roth IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income taxes.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be monthly, quarterly, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">semi-annual or annual, unless you have less than </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">$25,000 in Contract Value, in which case only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annual payments are available.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to discontinue or modify the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">program subject to the requirements of law.</span></div> </div> </td> </tr> <tr style="height:233.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waives withdrawal charges if you are confined for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">care or are unable to perform at least two out of six </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">activities of daily living (ADLs).</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Confinement must begin after the first Contract </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary, be for at least 90 days in a 120-day </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">period, and requires proof of stay. We require </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional proof of qualification for this benefit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annually.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Inability to perform two ADLs must be for at least </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">90 continuous days and may require an exam or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">tests by a physician.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available if, on the Issue Date, any Owner was </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">confined to an eligible facility, or unable to perform </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">all six ADLs.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are not subject to withdrawal </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">charges, but are subject to income taxes, and may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">also be subject to a 10% additional federal tax for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amounts withdrawn before age 59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• State variations may apply.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:100pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greater of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value, or Guaranteed Death Benefit Value. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Guaranteed Death Benefit Value is total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Examples of the death benefit provided by the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Traditional Death Benefit, and how withdrawals </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">impact this benefit, are included in section 11, Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustments, may significantly reduce the benefit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">as indicated in section 11, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> </div> </td> </tr> <tr style="height:365.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance Lock</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to capture the current Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">during the Term for an Index Option. Can help </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">eliminate doubt about future Index performance and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">possibly limit the impact of negative performance. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Can allow you to transfer out of an Index Option </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A Performance Lock example is included in section </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6, Valuing Your Contract — Performance Locks.</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•  Performance Locks must be executed before the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed, the locked </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option will no longer participate in Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance (positive or negative) for the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">remainder of the Term, and will not receive a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Credit on the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You will not know your locked Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in advance.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The locked Index Option Value will reflect a Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed when the Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment has declined, it will lock in any loss.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• A Performance Lock can be executed only once </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Term for each Index Option.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot execute a Performance Lock for only a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">portion of the Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions (e.g. withdrawals, fees) decrease the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">locked Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot transfer locked Index Option Value until the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">next Index Anniversary that occurs on or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">immediately after the Lock Date unless you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">execute an Early Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or the optimal time for doing </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">so, if any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock at a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses related </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">to your decision whether or not to execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:255.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early Reallocation</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to transfer out all assets you allocate to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Variable Option, and/or that we hold in the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Variable Option on an interim basis, and/or all assets </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in locked Index Options on days other than an Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An Early Reallocation Request example is included </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in section 6, Valuing Your Contract — Early </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Reallocation.</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early Reallocation requests are not accepted </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before the Index Effective Date, or within 14 </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">calendar days before an Index Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Index Performance Strategy 6-year Term Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options and the Variable Option are not available </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">as destinations for an Early Reallocation transfer.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On October 13, 2026, the limit for Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Reallocations increases from 12 each Index Year </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">to 24.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• All Index Options can be temporarily unavailable </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">for Early Reallocation at any time, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">which means </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">there may be times when Early Reallocation is </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">unavailable to you.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute an Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation or the optimal time for doing so, if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute an Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation at a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses related </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">to your decision whether or not to execute an </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Early Reallocation.</span></div> </div> </td> </tr> </table> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Privilege</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw up to 10% of your total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments each Contract Year without </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">incurring a withdrawal charge.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available upon a full withdrawal.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Unused free withdrawal amounts not available in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">future years.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income taxes, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and may also be subject to a 10% additional </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax for amounts withdrawn before age </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to automatically take withdrawals to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">satisfy the required minimum distribution </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">requirements (RMD) imposed by the Internal </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Revenue Code.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available to IRA or SEP IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally required for Inherited IRA and Inherited </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Roth IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income taxes.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be monthly, quarterly, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">semi-annual or annual, unless you have less than </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">$25,000 in Contract Value, in which case only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annual payments are available.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to discontinue or modify the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">program subject to the requirements of law.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waives withdrawal charges if you are confined for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">care or are unable to perform at least two out of six </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">activities of daily living (ADLs).</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Confinement must begin after the first Contract </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary, be for at least 90 days in a 120-day </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">period, and requires proof of stay. We require </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional proof of qualification for this benefit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annually.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Inability to perform two ADLs must be for at least </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">90 continuous days and may require an exam or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">tests by a physician.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available if, on the Issue Date, any Owner was </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">confined to an eligible facility, or unable to perform </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">all six ADLs.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to negative </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are not subject to withdrawal </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">charges, but are subject to income taxes, and may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">also be subject to a 10% additional federal tax for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amounts withdrawn before age 59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• State variations may apply.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greater of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value, or Guaranteed Death Benefit Value. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Guaranteed Death Benefit Value is total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Examples of the death benefit provided by the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Traditional Death Benefit, and how withdrawals </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">impact this benefit, are included in section 11, Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustments, may significantly reduce the benefit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">as indicated in section 11, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance Lock</span> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to capture the current Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">during the Term for an Index Option. Can help </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">eliminate doubt about future Index performance and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">possibly limit the impact of negative performance. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Can allow you to transfer out of an Index Option </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A Performance Lock example is included in section </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6, Valuing Your Contract — Performance Locks.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•  Performance Locks must be executed before the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed, the locked </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option will no longer participate in Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance (positive or negative) for the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">remainder of the Term, and will not receive a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Credit on the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You will not know your locked Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in advance.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The locked Index Option Value will reflect a Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed when the Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment has declined, it will lock in any loss.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• A Performance Lock can be executed only once </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Term for each Index Option.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot execute a Performance Lock for only a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">portion of the Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions (e.g. withdrawals, fees) decrease the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">locked Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot transfer locked Index Option Value until the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">next Index Anniversary that occurs on or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">immediately after the Lock Date unless you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">execute an Early Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or the optimal time for doing </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">so, if any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock at a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses related </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">to your decision whether or not to execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock.</span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early Reallocation</span> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to transfer out all assets you allocate to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Variable Option, and/or that we hold in the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Variable Option on an interim basis, and/or all assets </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in locked Index Options on days other than an Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An Early Reallocation Request example is included </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in section 6, Valuing Your Contract — Early </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early Reallocation requests are not accepted </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before the Index Effective Date, or within 14 </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">calendar days before an Index Anniversary.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Index Performance Strategy 6-year Term Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options and the Variable Option are not available </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">as destinations for an Early Reallocation transfer.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On October 13, 2026, the limit for Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Reallocations increases from 12 each Index Year </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">to 24.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• All Index Options can be temporarily unavailable </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">for Early Reallocation at any time, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">which means </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">there may be times when Early Reallocation is </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">unavailable to you.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute an Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation or the optimal time for doing so, if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute an Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation at a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses related </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">to your decision whether or not to execute an </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Early Reallocation.</span></div> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">11.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Death Benefit</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">“You” in this section refers to the Owner, or the Annuitant if the Contract is owned by a non-individual.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract provides the Traditional Death Benefit for no additional charge. The death benefit is the greater of the Contract Value, or Guaranteed Death Benefit Value. The Traditional Death Benefit’s Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The death benefit is only available during the Accumulation Phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information, which is either a Valid Claim or due proof of death as stated here. (For information on due proof of death see the Glossary – Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day’s prices.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If there are multiple Beneficiaries, each Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary’s interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct us to pay Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary’s portion of the death benefit remains in the Investment Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is Variable Account Value in the Variable Option awaiting transfer to the Index Options on the date of death, it remains there until the next Index Anniversary. If an Index Anniversary occurs before we receive a Valid Claim, we will transfer that Beneficiary’s portion of the Variable Account Value destined for the Index Options based on the allocation instructions that were in effect on the date of death.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">From the time we determine the death benefit until we make a complete distribution, any amount in the Investment Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">no longer accept or process transfer requests. After we receive the first Valid Claim from any Beneficiary, we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first death of a Determining Life during the Accumulation Phase, if the Traditional Death Benefit is in effect, your Beneficiary(ies) will receive the greater of the Contract Value or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). For example, assume total Purchase Payments are $90,000, you take no withdrawals, and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the date we are determining the death benefit is not the Term End Date, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any withdrawal charge), determined at the end of each Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All withdrawals you take reduce the Guaranteed Death Benefit Value and Contract Value, even Penalty-Free Withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Deductions for Contract fees and expenses will, however, decrease the Contract Value by the dollar amount withdrawn. In addition, because the death benefit is the greater of Contract Value or the Guaranteed Death Benefit Value, deductions we make for Contract fees and expenses may reduce the death benefit available to your Beneficiaries.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawal Example</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These calculations show the effects of taking a withdrawal on the Contract Value and available Guaranteed Death Benefit Value. Withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the Traditional Death Benefit’s Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The example assumes a withdrawal of $5,000 once per year on days that are not Term End Dates starting when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000. The first withdrawal assumes that there is no amount remaining under the free withdrawal privilege for that year, so that withdrawal is subject to an 8% withdrawal charge. Subsequent withdrawals are all taken under the free withdrawal privilege. All fractional numbers in these examples have been rounded up to the next whole number. All Contract Value figures reflect the Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:27pt;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:196.95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.02%;margin-right:1.52%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:3.59%;margin-right:3.59%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.40%;margin-right:0.94%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Traditional Death Benefit’s Guaranteed Death Benefit</span></div> </div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (subject to an 8%</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– [$5,000 ÷ (1 – 8%)]</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($5,435 ÷ 100,000) x 90,000]</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount withdrawn</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $5,435</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,892</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,565</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,108</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:196.95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,108</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (not subject to a</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $5,000</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($5,000 ÷ 97,000) x 85,108]</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount withdrawn</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,000</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,388</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 92,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,720</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:196.95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,720</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (not subject to a</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $5,000</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($5,000 ÷ 80,000) x 80,720]</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount withdrawn</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,000</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,045</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="padding-top:4pt;vertical-align:Top;width:196.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year’s withdrawal</span></div> </div> </td> <td style="padding-top:4pt;vertical-align:Top;width:83.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,000</span></div> </div> </td> <td style="padding-top:4pt;vertical-align:Top;width:213.58pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,675</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit is the greater of the Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$94,565 Contract Value after the first withdrawal.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$92,000 Contract Value after the second withdrawal.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$75,675 Guaranteed Death Benefit Value after the third withdrawal.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">What Happens Upon Death?</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and die simultaneously as described in the discussion of Beneficiaries in section 2, Ownership, Annuitants, Determining Life, Beneficiaries and Payees, we determine the Traditional Death Benefit at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Guaranteed Death Benefit Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim.</span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In this instance, if the Beneficiary:</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is a surviving spouse and chooses to continue the Contract;</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">selects death benefit payment Option B; or</span></div> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">selects death benefit payment Option C and takes payment over a period not extending beyond the Beneficiary’s life expectancy;</span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater when we receive a Valid Claim.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you and the Determining Life (Lives) are different individuals and do not die simultaneously, the death benefit is as follows. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">This can only occur if you change the Owner after the Issue Date.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If a Determining Life dies before you, we do not pay a death benefit to the Beneficiary(ies), but we may increase the Contract Value if the Traditional Death Benefit is still in effect</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. At the end of the Business Day we receive due proof of a Determining Life’s death, we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">and the Traditional Death Benefit ends</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon your death, your Beneficiary(ies) receive the Contract Value determined at the end of the Business Day during which we receive each Beneficiary’s Valid Claim.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, if we increase the Contract Value to equal the Guaranteed Death Benefit Value, we allocate this increase to the Variable Option. On the next Index Anniversary, we transfer these assets according to the allocation instructions. However, if the allocation instructions include any temporarily unavailable Index Option(s), those assets will remain in the Variable Option until either, (1) we receive a change to allocation instructions that transfer these assets to available Index Option(s), or (2) an Early Reallocation is executed. Executing an Early Reallocation will result in the remaining time prior to your next Index Anniversary being added to your new Term length. For example, assume your next Index Anniversary is in four months. At this point, you elect an Early Reallocation and choose a new 3-Year term Index Option. The remaining four months prior to the next Index Anniversary will be added to the new 3-year Term for your newly selected Index Option, extending the new Term length to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">40 months</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Traditional Death Benefit ends upon the earliest of the following:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day before the Annuity Date.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individual, or if you and the Determining Life (Lives) are different individuals and die simultaneously.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life’s death if you and the Determining Life (Lives) are different individuals and do not die simultaneously.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Contract ends.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We base the Guaranteed Death Benefit Value on the first death of a Determining Life (or Lives). This means that upon </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the death of an Owner (or Annuitant if the Owner is a non-individual), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">if a surviving spouse continues</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the Contract, the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Guaranteed Death Benefit Value is no longer available</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Also, if you and the Determining Life (Lives) are different </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">individuals and you die first, the Guaranteed Death Benefit Value is not available to your Beneficiary(ies).</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death of the Owner and/or Annuitant</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The SAI includes tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different phases of the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options During the Accumulation Phase</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary must select one of the death benefit payment options listed below.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Beneficiary requests a lump sum payment under Option A, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spousal Continuation:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the Beneficiary is the deceased Owner’s spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. However, spousal continuation is not available if this is an Inherited IRA, or Inherited Roth IRA (i.e., spousal continuation is not available to a successor beneficiary - the spouse of the original Beneficiary). For an IRA, Roth IRA, or SEP IRA Contract, spousal continuation can only occur if the surviving spouse is the Contract’s sole primary Beneficiary. For Qualified Contracts purchased </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">through a qualified plan, spousal continuation is only available through a direct rollover to an IRA. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spouses must qualify as such under federal law to continue the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim, we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and the Traditional Death Benefit ends. If the surviving spouse continues the Contract:</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">he or she becomes the new Owner and may exercise all of the Owner’s rights, including naming a new Beneficiary or Beneficiaries;</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">he or she is subject to any remaining withdrawal charge period; and</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div><div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">upon the surviving spouse’s death, their Beneficiary(ies) receive the Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following applies to Non-Qualified Contracts. Different rules may apply to Qualified Contracts. For more information, please see section 12, Taxes – Distributions Upon the Owner’s Death (or Annuitant’s Death if the Owner is a Non-Individual).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option A:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Lump sum payment of the death benefit.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option B:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Payment of the entire death benefit within five years of the date of any Owner’s death. The Beneficiary can continue to make transfers between Investment Options and is subject to a 1.25% M&amp;E charge for any amounts allocated to the Variable Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option C:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the Beneficiary is an individual, payment of the death benefit as Annuity Payments under Annuity Options A, B, or C. If you take the death benefit as Annuity Payments, we do not require that the Annuity Date occur on an Index Anniversary. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary’s life expectancy under which the Beneficiary can continue to make transfers between Investment Options and is subject to a 1.25% M&amp;E charge for any amounts allocated to the Variable Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Distribution from Non-Qualified Contracts under Option C must begin within one year of the date of the Owner’s death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner’s death must be distributed within five years of the date of death.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Non-Qualified Contract is owned by a non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Code’s distribution at death rules, which are set forth in Section 72(s) of the Code.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In all events, notwithstanding any provision to the contrary in the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first death of a Determining Life during the Accumulation Phase, if the Traditional Death Benefit is in effect, your Beneficiary(ies) will receive the greater of the Contract Value or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). For example, assume total Purchase Payments are $90,000, you take no withdrawals, and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the date we are determining the death benefit is not the Term End Date, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any withdrawal charge), determined at the end of each Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All withdrawals you take reduce the Guaranteed Death Benefit Value and Contract Value, even Penalty-Free Withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Deductions for Contract fees and expenses will, however, decrease the Contract Value by the dollar amount withdrawn. In addition, because the death benefit is the greater of Contract Value or the Guaranteed Death Benefit Value, deductions we make for Contract fees and expenses may reduce the death benefit available to your Beneficiaries.</span></div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;"> <div style="line-height:13.0pt;margin-top:9pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:0pt;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Appendix A – Investment Options Available Under the Contract</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Variable Option</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following includes information about the Fund available under the Contract. More information about the Fund is available in the Fund’s prospectus, which may be amended from time to time and can be found online at https://www.allianzlife.com/variableoptions. You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to prospectus.request@allianzlife.com.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. The Fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:25pt;"> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:154.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div> </div> </td> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:133pt;"> <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:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Fund 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:Arial;font-size:9pt;font-weight:bold;">Adviser/Subadviser</span></div> </div> </td> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">(as of December 31, 2025)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Years</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Years</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:154.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current income consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">stability of principal</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:133pt;"> <div style="line-height:10pt;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:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AZL® Government Money </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Adviser: Allianz Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Management LLC</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Subadviser: BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Advisors, LLC</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.65%</span></div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.70%</span></div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">2.62%</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:2pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">1.57%</span></div> </div> </div> </td> </tr> </table> </div> <div> <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;"> <div style="float:left;line-height:7pt;text-align:left;width:6.99pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">(1)</span></div> <div style="float:left;line-height:10pt;margin-left:9.01pt;text-align:left;width:473.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The AZL</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government Money Market Fund’s annual expenses reflect a temporary fee reduction. Please see the AZL</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government Money Market Fund’s prospectus for information regarding the expense reimbursement or fee waiver arrangement.</span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Options</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following is a list of Index Options currently available under the Contract. We may change certain features of the Index Options listed below (including the Index and the current limits on Index gains) and offer new Index 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 https://www.allianzlife.com/RILANYRates.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Note: If amounts are removed from an Index Option before the Term End Date, we will apply a Daily 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 such amounts were not removed from the Index Option until the Term End Date.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For more information about the Index Options’ features, see section 4, Index Options, and section 6, Valuing Your Contract. For more information about Daily Adjustment, see section 7, Expenses and Adjustments – Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:43pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index Type</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">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:Arial Narrow;font-size:9pt;font-weight:bold;">Period</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Length)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">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:Arial Narrow;font-size:9pt;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:Arial Narrow;font-size:9pt;font-weight:bold;">Methodology</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current Limit on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Index Loss</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;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:Arial Narrow;font-size:9pt;font-weight:bold;">Term End Date)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Minimum Limit on Index Gain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(for the life of the Index </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Option)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision Strategy</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">10% Buffer</span></div> </div> </td> <td rowspan="4" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50®</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> </table> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:43pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index Type</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">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:Arial Narrow;font-size:9pt;font-weight:bold;">Period</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Length)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">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:Arial Narrow;font-size:9pt;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:Arial Narrow;font-size:9pt;font-weight:bold;">Methodology</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current Limit on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Index Loss</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;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:Arial Narrow;font-size:9pt;font-weight:bold;">Term End Date)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Minimum Limit on Index Gain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(for the life of the Index </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Option)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">10% Buffer</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50®</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:48pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued before October 13, 2026, all 1-year Term Index Options listed below are available. Additionally, only the 3-year Term with 10%, 20%, </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">and 30% Buffers for the S&amp;P 500® Index and Russell 2000® Index are available; and only the 6-year Term with 10%, 20%, and 30% Buffers for the S&amp;P </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">500® Index and Russell 2000® Index are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued since October 13, 2026, all 1-year, 3-year, and 6-year Term Index Options listed below are available.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 3% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for 30% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 4% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for 20% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 5% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for 10% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Buffer</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50®</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="3" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3-year Term</span></div> </div> </td> <td rowspan="3" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">upside</span></div> </div> </td> <td rowspan="3" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="3" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 9% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for 30% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 12% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 15% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 100% minimum Participation </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:55pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6-year Term</span></div> </div> </td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">upside</span></div> </div> </td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="3" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 18% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">30% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 24% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 100% minimum Participation </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:52pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-left:16pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-16pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div> </div> <div style="line-height:10.0pt;margin-left:16pt;margin-top:0.5pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-16pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">May be uncapped for a Term.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If we offer a new Index Option with a Buffer in the future, the Buffer will be no lower than 5%. The lowest Trigger Rate, Cap, and Participation Rate that we may establish if we add a new Index Option to the Contract are 3%, 3%, and 100%, respectively.</span></div> </div> </div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following includes information about the Fund available under the Contract. More information about the Fund is available in the Fund’s prospectus, which may be amended from time to time and can be found online at https://www.allianzlife.com/variableoptions. You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to prospectus.request@allianzlife.com.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. The Fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:25pt;"> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:154.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div> </div> </td> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:133pt;"> <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:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Fund 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:Arial;font-size:9pt;font-weight:bold;">Adviser/Subadviser</span></div> </div> </td> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">(as of December 31, 2025)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Years</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Years</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:154.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current income consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">stability of principal</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:133pt;"> <div style="line-height:10pt;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:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AZL® Government Money </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Adviser: Allianz Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Management LLC</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Subadviser: BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Advisors, LLC</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.65%</span></div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.70%</span></div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">2.62%</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:2pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">1.57%</span></div> </div> </div> </td> </tr> </table> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current income consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">stability of principal</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AZL® Government Money </span></div> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund</span> Allianz Investment <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Management LLC</span></div> BlackRock <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Advisors, LLC</span></div> 0.0065 0.037 0.0262 0.0157 <div style="float:left;line-height:10pt;margin-left:9.01pt;text-align:left;width:473.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The AZL</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government Money Market Fund’s annual expenses reflect a temporary fee reduction. Please see the AZL</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government Money Market Fund’s prospectus for information regarding the expense reimbursement or fee waiver arrangement.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following is a list of Index Options currently available under the Contract. We may change certain features of the Index Options listed below (including the Index and the current limits on Index gains) and offer new Index 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 https://www.allianzlife.com/RILANYRates.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Note: If amounts are removed from an Index Option before the Term End Date, we will apply a Daily 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 such amounts were not removed from the Index Option until the Term End Date.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:43pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index Type</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">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:Arial Narrow;font-size:9pt;font-weight:bold;">Period</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Length)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">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:Arial Narrow;font-size:9pt;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:Arial Narrow;font-size:9pt;font-weight:bold;">Methodology</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current Limit on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Index Loss</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;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:Arial Narrow;font-size:9pt;font-weight:bold;">Term End Date)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Minimum Limit on Index Gain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(for the life of the Index </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Option)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision Strategy</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">10% Buffer</span></div> </div> </td> <td rowspan="4" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50®</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:43pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index Type</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">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:Arial Narrow;font-size:9pt;font-weight:bold;">Period</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Length)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">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:Arial Narrow;font-size:9pt;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:Arial Narrow;font-size:9pt;font-weight:bold;">Methodology</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68pt;"> <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:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current Limit on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Index Loss</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;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:Arial Narrow;font-size:9pt;font-weight:bold;">Term End Date)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Minimum Limit on Index Gain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(for the life of the Index </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Option)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">10% Buffer</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50®</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:48pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued before October 13, 2026, all 1-year Term Index Options listed below are available. Additionally, only the 3-year Term with 10%, 20%, </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">and 30% Buffers for the S&amp;P 500® Index and Russell 2000® Index are available; and only the 6-year Term with 10%, 20%, and 30% Buffers for the S&amp;P </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">500® Index and Russell 2000® Index are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued since October 13, 2026, all 1-year, 3-year, and 6-year Term Index Options listed below are available.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 3% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for 30% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 4% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for 20% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 5% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for 10% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Buffer</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50®</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="3" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3-year Term</span></div> </div> </td> <td rowspan="3" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">upside</span></div> </div> </td> <td rowspan="3" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="3" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 9% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for 30% </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 12% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 15% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 100% minimum Participation </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:55pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6-year Term</span></div> </div> </td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">upside</span></div> </div> </td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="3" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 18% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">30% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 24% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 100% minimum Participation </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:52pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:10pt;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:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> </table> <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up 0.10 0.10 0.10 0.10 Buffer Buffer Buffer Buffer 0.05 0.05 0.05 0.05 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span> U.S. & international non-financial large-cap equities EURO STOXX 50 Eurozone large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up 0.10 0.10 0.10 0.10 Buffer Buffer Buffer Buffer 0.05 0.05 0.05 0.05 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span> U.S. & international non-financial large-cap equities EURO STOXX 50 Eurozone large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap 0.30 0.30 0.30 0.30 Buffer Buffer Buffer Buffer 0.03 0.03 0.03 0.03 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span> U.S. & international non-financial large-cap equities EURO STOXX 50 Eurozone large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span> U.S. large-cap equities P3Y P3Y P3Y Point-to-point with Cap and enhanced upside Point-to-point with Cap and enhanced upside Point-to-point with Cap and enhanced upside 0.30 0.30 0.30 Buffer Buffer Buffer 0.09 0.09 0.09 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span> U.S. & international non-financial large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500® Index</span> U.S. large-cap equities P6Y P6Y P6Y Point-to-point with Cap and enhanced upside Point-to-point with Cap and enhanced upside Point-to-point with Cap and enhanced upside 0.30 0.30 0.30 Buffer Buffer Buffer 0.18 0.18 0.18 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000® Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100® Index</span> U.S. & international non-financial large-cap equities <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><b>ITEM 31A. INFORMATION ABOUT CONTRACTS WITH INDEX-LINKED OPTIONS AND FIXED OPTIONS SUBJECT TO A CONTRACT ADJUSTMENT</b></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(a) For the calendar year ended December 31, 2025:</p> <table cellpadding="0" style="font: 8pt Arial Narrow, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px"> <tr> <td style="border: black 1.5pt solid; padding: 4pt; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Name of the Contract</span></td> <td style="border-top: black 1.5pt solid; padding: 4pt; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Number of Contracts outstanding</span></td> <td style="border-top: black 1.5pt solid; padding: 4pt; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Total value attributable to the Index-Linked Option and/or Fixed Option subject to a Contract Adjustment</span></td> <td style="border-top: black 1.5pt solid; padding: 4pt; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Number of Contracts sold during the prior calendar year</span></td> <td style="border-top: black 1.5pt solid; padding: 4pt; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Gross premiums received during the prior calendar year</span></td> <td style="border-top: black 1.5pt solid; padding: 4pt; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Amount of Contract value redeemed during the prior calendar year</span></td> <td style="border-top: black 1.5pt solid; padding: 4pt; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Combination Contract (Yes/No)</span></td></tr> <tr style="vertical-align: top"> <td style="border-right: black 1.5pt solid; padding: 4pt; border-bottom: black 1.5pt solid; border-left: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif"><span style="font-family: Arial, Helvetica, Sans-Serif">Allianz Index Advantage+ New York</span></td> <td style="border-right: black 1.5pt solid; padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">7,890</span></td> <td style="border-right: black 1.5pt solid; padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">$1,679,100,755</span></td> <td style="border-right: black 1.5pt solid; padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">7,502</span></td> <td style="border-right: black 1.5pt solid; padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">$1,195,127,514</span></td> <td style="border-right: black 1.5pt solid; padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">$21,873</span></td> <td style="border-right: black 1.5pt solid; padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Yes</span></td></tr> </table> Allianz Index Advantage+ New York 7890 1679100755 7502 1195127514 21873 true N-4 0000080019 false 2026-09-25 As a percentage of the Variable Option’s average net assets, plus an amount attributable to the contract maintenance charge based on expected Contract sales. As a percentage of the AZL Government Money Market Fund's average daily net assets.